Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Demand for Debt Validation and Cease & Desist Account Number ( Last Four ) : XXXX Original Creditor : XXXX  XXXX XXXX  Alleged Balance : {$990.00} To Whom It May Concern : This letter serves as my formal written notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., demanding full validation of the alleged debt referenced above and requiring your agency to cease all collection activity until such validation is provided.

Please be advised that I dispute this alleged debt in its entirety, as I have not received any legally sufficient validation as required by 15 U.S.C. 1692g ( b ). The Notice of Sale issued by XXXX XXXX Bank dated XX/XX/year>, is not legal validation, as it does not contain a bill of sale, assignment documents, or account-level evidence linking the alleged obligation to me. 
Accordingly, I hereby demand that you provide the following documentation before any further communication or reporting activity : 1. A complete copy of the Bill of Sale or Assignment Agreement from XXXX XXXX XXXX to Portfolio Recovery Associates, bearing identifying information that specifically includes my account, proving your lawful ownership or collection authority.

2. All account-level documentation from the original creditor, including : - The original signed credit agreement or contract, - A full accounting of the balance showing how the alleged {$990.00} was calculated, and - Copies of the original monthly statements and last payment record. 
3. Proof of your authority to collect in the Commonwealth of Pennsylvania, including your state collection license number and registration details.

Be further advised that under 15 U.S.C. 1692c ( c ), I hereby demand that you cease all direct communication with me, except to furnish the above-requested verification or to notify me of specific legal actions you are permitted to take. Any further communication not compliant with this statute will constitute a willful violation of federal law and will be documented as evidence for potential legal and regulatory complaints. 
Additionally, you are prohibited from reporting or continuing to report any unverifiable or disputed information to the credit reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Should such reporting occur, I will pursue all available remedies, including formal complaints with the Consumer Financial Protection Bureau, Pennsylvania Attorney Generals Office, and Federal Trade Commission.

Unless and until you have furnished proper validation as defined by law, you are to cease all collection, reporting, or transfer activities regarding this account immediately.

Sincerely, XXXX XXXX XXXX. 

cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief