Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery LLC, This letter is regarding the alleged debt associated with the XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) account ending in XXXX. Despite your previous correspondence, you have not provided legally sufficient documentation to substantiate your claim of ownership, nor have you addressed my specific and lawful requests. 

1. Failure to Provide 1099-C You have not produced the 1099-C Cancellation of Debt from XXXXXXXX XXXX which is required to determine whether this alleged debt has been legally charged off and potentially canceled for tax purposes. Without this document, your continued reporting of a balance raises serious concerns of double reporting or collection on a debt that may no longer be legally owed.

2. Failure to Provide Bill of Sale and Chain of Custody You assert that PRA purchased the account from XXXXXXXX XXXX ; however, you have not provided a Bill of Sale or Assignment agreement that proves this account was specifically included in your alleged purchase. A generic statement that a portfolio was purchased is not sufficient legal evidence. Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with case law ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you are required to prove legal ownership and the right to collect. 

I further demand the complete chain of title showing how and when the debt was transferred from XXXXXXXX XXXX  to PRA, including all intermediary parties if applicable. You must also include documentation that identifies my name, the account number, and the amount due as part of any asset transfer.

3. Ongoing Credit Reporting Violations Both PRA and the original creditor continue to report this account with an open balance despite it being marked as " charged off. '' If this debt has been sold and written off by the original creditor, then reporting a balance simultaneously by both entities is potentially a violation of the Fair Credit Reporting Act ( FCRA ) and constitutes material misrepresentation of a tradeline. 

XXXX. Legal Notice of Continued Dispute This account remains formally disputed. Until you provide full documentation as requested : You are prohibited from further collection activity, including calls or letters ; You are prohibited from further reporting this debt to any credit reporting agency without marking it as " disputed by the consumer '' ; You must cease all attempts to collect or verify the debt until all documentation outlined herein is provided in full. 

XXXX. Final Demand You are hereby granted 15 days from receipt of this notice to furnish the following : 1099-C issued by XXXX XXXX XXXX if any Full Bill of Sale with my name/account specifically listed Chain of custody showing legal ownership rights All account statements and payment history from origination through charge-off Failure to comply will result in immediate regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB XXXX XXXX Federal Trade Commission ( FTC ) XXXX and State Attorney General, as well as consideration of legal action for FCRA, FDCPA, and potential deceptive practices. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation