Debt collection -- Written notification about debt -- Complaint #17952325
Complaint Overview
Complaint ID: 17952325
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New York
ZIP Code: 12304
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Debt collector failed to provide full validation including chain of title, account-level documentation, and full accounting. They attempted to collect despite a prior court ruling dismissing their case ( # XXXX ). They continue to report without legal basis, violating FDCPA 807 and FCRA 623. I am filing a complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their continued reporting of a debt that they have not properly validated and for furnishing incomplete and misleading information to the credit bureaus. Summary Portfolio Recovery Associates began reporting a derogatory collection account for a debt they claim to own. I disputed the debt and request full validation. PRA sent only a generic verification letter, which does not satisfy the legal validation requirements under the FDCPA ( 15 USC 1692g ). Despite this lack of proper validation, PRA continues to : Report the account as active and derogatory, has not removed it from my credit report Furnish inconsistent and incomplete information to different bureaus. This is harming my credit and preventing me from qualifying for financing, including a recent home repair loan. Validation Issues PRA has not provided : A copy of the original signed agreement or contract, Proof of assignment or chain of title, A complete itemization of the balance, A full payment history, Documentation proving they have a legal right to collect in my state. They have only provided a single-page verification letter, which is not legal validation. Under the FDCPA, if the collector can not validate the debt, they must cease collection activity, including reporting. PRA has not done so. Credit Reporting Issues PRAs reporting is : Potentially in violation of the FCRA. They continue to update the account after failing to validate, which is considered continued collection activity. Additionally, PRA has not provided a response with real documentation to the credit bureaus when disputes were submitted.
Frequently Asked Questions
What is Complaint #17952325 about?
Complaint #17952325 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Portfolio Recovery Associates, LLC?
Yes, visit the Portfolio Recovery Associates, LLC company profile at readthecomplaint.com/company/portfolio-recovery-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.