Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
CFPB COMPLAINT I am submitting this complaint because Portfolio Recovery Associates ( PRA ) sent me a letter dated XX/XX/XXXX, stating they have completed their investigation and validated an alleged XXXX Buy account. This is misleading and false. PRA has not provided the documents required under law to validate any debt under FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), 611 ( a ), and 1681e ( b ). 

Despite multiple written disputes, PRA continues reporting this account to the credit bureaus without providing full validation. Their most recent letter still does not satisfy federal requirements. 

XXXX. PRA FAILED TO PROVIDE LEGAL VALIDATION PRA only sent billing statements from XXXX. Billing statements do not prove ownership, assignment, privity, or legal standing. Statements do not prove the debt belongs to me, and they do not show PRA has any legal right to collect or report anything. 

PRA did NOT provide the required documentation, including : The original signed credit agreement A Bill of Sale linking my exact account number A complete Chain of Title Proof PRA was legally assigned this debt A full accounting of how PRA calculated the balance Any document establishing standing, ownership, or assignment Under FDCPA 809 ( b ), PRA must cease all collection activity including credit reporting until full validation is provided. They have not done so. 

XXXX. PRAS XX/XX/XXXX LETTER IS MISLEADING PRAs letter claims they reviewed and obtained documents that establish validity. 
This is inaccurate. 

Billing statements do NOT establish : ownership assignment liability accuracy contractual terms legal right to collect legal right to report This misrepresentation is a deceptive and unfair practice under federal law. 

XXXX. PRA IS STILL REPORTING WITHOUT VALIDATION Even after multiple disputes, PRA continues to furnish this account to the credit bureaus. This is illegal reporting activity and violates : FDCPA 809 ( b ) Collection must stop until validation is mailed FCRA 623 ( a ) ( 3 ) Must investigate disputes FCRA 611 ( a ) Must reinvestigate and delete unverifiable information FCRA 1681e ( b ) Must ensure maximum possible accuracy PRA is reporting unvalidated and unverified information. 

XXXX. PRA HAS A HISTORY OF NEGATIVE FINDINGS FOR THE SAME BEHAVIOR PRA has repeatedly been cited and penalized for the same exact violations happening now in my case. 

CFPB Consent Order XXXX ( XXXX XXXX. XXXX ) CFPB found PRA collected debts without XXXX documentation proper validation accurate information PRA was ordered to stop collecting and fix their practices. 

CFPB Enforcement Action XX/XX/XXXX CFPB again found PRA : collected without validation relied on incomplete data furnished inaccurate information failed to correct errors PRA was fined {$24.00} XXXX. 

Court Findings Portfolio Recovery Associates XXXX XXXX ( XXXX ) Courts ruled PRA can not pursue debts without full documentation proving ownership and liability. PRA has not produced this documentation here. 

XXXX XXXX PRA is widely known for repeated violations involving : lack of validation incomplete records inaccurate reporting misleading consumers failing to correct disputed information The same violations are repeating in my case.

Company response to consumer: Closed with non-monetary relief