Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Witten demand Request for : 1. Chain of Custody 2. Forward Flow Agreement 3. Bill of sales 4. Application with my signature ( as required by FTC for Identity theft victims ) 5. Original contract with my signature ( as required by FTC for Identity theft victims ) Account Number : Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Debt Amount {$2400.00} Demand addressed ATTN : Collection company : Portfolio Recovery Associates , LLC _______________________________________ To Whom It May Concern : I XXXX XXXX ( The consumer ), demand that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX, Comply with the law and provide ALL the following documents as listed below This letter serves as a formal written demand for full validation and verification of the alleged debt referenced above, in accordance with my rights under federal law, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Federal Trade Commission ( FTC ) guidelines for Identity Theft Victims. 

As the alleged debtor, I dispute the validity of this debt and require the following documents to determine your legal right to collect and report this account. This request is made under 15 U.S.C. 1692g, 15 U.S.C. 1681s2, and applicable contract and evidentiary law.

________________________________________ Formal Request for Documents ( With Legal Authority ) : 1. Chain of Custody A complete and unbroken record of ownership of the alleged debt from the original creditor to your agency.

o Legal Basis : FDCPA, 15 U.S.C. 1692g ( b ) : Right to debt verification.

Federal Rules of Evidence Rule 901 : Requirement to authenticate documents in legal proceedings.

Common Law Assignment Doctrine : Assignee must prove legal transfer of the claim ( Adams v. Madison Realty ).

2. Forward Flow Agreement The agreement between your agency and the original creditor ( or any intermediaries ) outlining the sale/assignment of accounts.

o Legal Basis : FDCPA, 15 U.S.C. 1692g ( b ) : Verification required upon dispute.

FCRA, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibition of inaccurate reporting without legal basis.

Common Law Assignment Doctrine 3. Bill of Sale Specific documentation identifying my alleged account among the pool of accounts sold and proving legal ownership.

o Legal Basis : FDCPA, 15 U.S.C. 1692g Clark v. Capital Credit, 460 F.3d 1162 ( 9th Cir. 2006 ) : Collector must prove ownership.

Common Law 4. Application Bearing My Signature A signed copy of the credit application used to initiate the original account.

o Legal Basis : FTC Identity Theft Rules : Signed application is considered a key document in establishing consumer identity.

FDCPA, 15 U.S.C. 1692g ( b ) FTC Guidelines for Identity Theft Victims under 16 C.F.R. Part 603 : Documented evidence of account origin is required.

5. Original Contract with My Signature The contract bearing my signature outlining the terms and agreement of the original credit obligation.

o Legal Basis : FDCPA, 15 U.S.C. 1692g ( b ) FTC Identity Theft Guidelines : Original agreement required for identity dispute resolution.

FRE Rule 901 : Document must be authenticated.

Important Note for last 2 years Portfolio Recovery Associates, WILLFULLY refused to comply with ALL above listed laws ________________________________________ Until I receive full and satisfactory documentation for each item above, I do not acknowledge this debt, and I dispute its validity in its entirety. Please note that : You must cease all collection activity and credit reporting until this verification is complete.

Failure to respond adequately may constitute a violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Please send your full response to the address above in writing. I appreciate your attention to this matter and expect full compliance under applicable law.

_________________________________________ What would be a fair resolution to this issue?

What would be a fair resolution to this issue?

Statutory damages : {$1000.00} per violation.

Actual damage : harm credit denial, Employment denial Actual damage : Violation of my rights as Identity theft victim Actual damage : Emotional distress as XXXX senior citizen Actual Damage : violation of my rights as XXXX senior citizen a Protected Class Punitive damages : For willful violations. 
Attorneys fees and costs cease all collection activity Cease credit reporting Remove this account from my credit report Full investigation Of Portfolio Recovery LLC Full investigation of XXXX XXXX _________________________________ As a Senior Citizen and Victim of Identity Theft, I seek compensation for : 1- the emotional distress that Portfolio Recovery Associates has caused and continues to cause me 2- The financial hardship that Portfolio Recovery Associates has caused and continues to cause me 3- The public embarrassment that Portfolio Recovery Associates has caused and continues to cause me 4- The hindrance in obtaining employment that Portfolio Recovery Associates has caused and continues to cause me.

5- Portfolio Recovery Associates to be fully investigated and held accountable for exploiting senior citizens like me, defrauding senior citizens like me, with their false /inaccurate / improper / derogatory information 6- Portfolio Recovery Associates be held accountable for -Inaccurate, false statements made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the _______________________________________________ As a senior citizen and victim of identity theft, I seek compensation for : 1- the emotional distress that XXXX XXXX has caused and continues to cause me 2- The financial hardship that XXXX XXXX has caused and continues to cause me 3- The public embarrassment that XXXX XXXX has caused and continues to cause me 4- The hindrance in obtaining employment that XXXX XXXX has caused and continues to cause me. 
5- XXXX XXXX to be fully investigated and held accountable for exploiting senior citizens like me, defrauding senior citizens like me, with their false /inaccurate/improper/derogatory information 6- XXXX XXXXXXXX be held accountable for -Inaccurate, false statements were made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the issues raised herein .

Company response to consumer: Closed with explanation