Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Portfolio Recovery Associates ( PRA ) Failure to Provide Legal Proof of Debt Ownership and Continued Inaccurate Reporting -- - Summary of Complaint : I am filing this new complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding two collection accounts ending in XXXX and XXXX. 

PRA continues to report these accounts to all three credit bureaus but has never provided full legal proof that they own these debts. The only documents PRA has ever mailed to me are billing statementsnothing more. 

Billing statements do not prove debt ownership, legal assignment, or contractual obligation. PRAs refusal to provide full documentation violates my consumer rights under federal law. 


-- - Details of the Problem : I have requested multiple timesboth through the CFPB and in writingthat PRA provide full verification and proof of ownership. In their response to my last CFPB complaint ( ID # XXXX ), PRA stated that my request was untimely and that they are not required to provide validation. This is not a lawful or acceptable excuse.

To date, PRA has never produced : 1. The purchase agreement or assignment proving they legally acquired my accounts from XXXX XXXX. 


2. The original signed credit card agreements or applications showing I am financially responsible for these debts.

3. Any detailed account-level records showing how the balances were calculated or transferred.

Instead, PRA mailed only billing statements, which do not meet the legal standard of verification or ownership proof. Despite this, PRA continues to report both accounts to XXXX XXXX XXXX XXXX  as valid collections. 


-- - Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct proper reinvestigation.

FCRA 1681s-2 ( b ) : Failure to report only accurate and verifiable data.

FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted.

FDCPA 1692g ( b ) : Failure to provide proper debt validation and cease collection activity.

-- - Requested Resolution : I respectfully request that the CFPB : 1. Require PRA to provide full legal documentation proving ownership of the two accounts ( purchase agreement, assignment, original contract, and account records ).

2. If PRA can not produce this documentation, require immediate and permanent deletion of both accounts from all credit bureaus.

3. Ensure PRA does not reinsert or re-report these accounts in the future without verified documentation.

-- - Additional Note : I have already mailed PRA certified letters with my identification and proof of address, so they have full access to confirm my identity. There is no valid reason for PRA to withhold proper verification or continue reporting unverifiable debts.

-- - Bottom Line : PRA has failed to meet the legal standard of proof required to collect or report these debts. Billing statements alone do not satisfy verification requirements. I am asking the CFPB to intervene and enforce compliance under the FCRA and FDCPA. 


-- - Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief