Portfolio Recovery

Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a lack of response from Portfolio Recovery Associates. On XX/XX/year>, I formally requested information from Portfolio Recovery Associates concerning an account associated with my name. As of today, I have not received any response from themneither by email, phone call, nor written correspondence. This lack of communication is concerning, as I am attempting to verify the accuracy and legitimacy of the account in question. Their failure to respond has prevented me from resolving this matter and ensuring that my credit report reflects accurate information. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and assist in obtaining the requested information from Portfolio Recovery Associates. I would also like to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) are being upheld.…

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I am filing this complaint because PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide legal proof of their authority to collect on account # XXXX. On XX/XX/year>, I sent a formal dispute ( see attached copy ) via certified mail ( Tracking # XXXX ). In that letter, I specifically demanded PORTFOLIO RECOVERY ASSOCIATES LLC authority to : collect the debt, signed agreement between alleged debtor and creditor, any insurance claims or judgements regarding this account, name and address of the alleged creditor, Alleged account number, Amount of the alleged debt, Date the alleged debt became payable, Date of original charge off or delinquency, Unbroken 'Chain of Title ' and a copy of the purchase agreement proving this agency owns the legal rights to this specific debt complete accounting of alleged debt, To date, the agency has failed to provide this documentation, which is a violation of the FDCPA. I request that all collection activity cease until legal authority is proven

I am filing this complaint because Portfolio Recovery Associates ( PRA ) continues to report two accounts to the credit bureaus without proper validation and in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I requested validation from PRA via certified mail. PRA responded with generic, incomplete documents that do not validate the debt, including old billing statements and pooled purchase agreements that do not show ownership, do not provide a chain of title, and do not verify the accuracy of the information being reported. PRA is legally required to obtain and maintain accurate documentation prior to furnishing information to the credit reporting agencies. PRA has failed to do so. PRA continues to furnish and reverify inaccurate information with TransUnion and Equifax, despite being unable to validate the accounts.

Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

I am filing this complaint against Portfolio Recovery Associates , LLC regarding two alleged collection accounts they claim to have purchased from XXXX XXXX XXXXXXXX. I mailed written debt validation / dispute requests to Portfolio Recovery Associates for the following accounts : Account ending XXXX Account ending XXXX In my written requests, I formally disputed the alleged debts and requested full validation, including but not limited to : proof of the alleged debt, a copy of any signed agreement or contract, a full itemized accounting, documentation showing their legal right to collect, chain of title / assignment records, original creditor information, payment history, purchase / assignment documentation, and other supporting records necessary to validate the debt. These requests were sent by certified mail, and I have proof of mailing and delivery.…

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Validation of Debt Request - PORTFOLIO RECOVERY A - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

On XX/XX/XXXX I sent this letter via certified mail. XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing in response to your communication regarding the above- referenced account. This letter is not a refusal to pay, but a notice that the debt is disputed. Pursuant to my rights under the Fair Debt Collection Practices Act, I request validation of the alleged debt. Please provide the following : The name and address of the original creditor. The amount of the alleged debt, including an itemization of interest, fees, or charges. Copies of any documents bearing my signature showing I agreed to the debt. Proof that your company is licensed to collect debt in my state. Proof that you have the legal authority to collect this debt on behalf of the creditor.…

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PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all…

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I disputed two accounts reported by Portfolio Recovery Associates in XX/XX/year> and requested full validation. I asked for a signed agreement, chain of assignment, and itemized balance. The company responded but only provided limited documents that do not establish ownership or the accuracy of the amounts. One account is also time-barred, as the company stated it will not pursue legal action due to age. Additionally, the accounts are reported inconsistently across credit bureaus, with missing original creditor information on Experian. These accounts remain inaccurate and unverifiable, and I am requesting deletion.

I asked for an itemized breakdown of account. They say its a XXXX account but I can not find it anywhere or on my credit reports. They sent me paperwork of over all debt with 2 different account numbers which one was paid and the next had a total dollar amount with no break down. They then filed with court but didnt serve me or attempt to. Case was dismissed and they then filed after to have case dismissed without prejudice and case was dismissed again. I wouldnt have even known had I not been looking into something else. They continue to report it to my credit report even though I disputed the lack of information and then said they would sue me. Which I guess they filed so partly did.

This company has been violating my rights and they have not provided validation information. Under 12 CFR 1006.34 ( b ) ( 5 ) ; They have still placed a collection on my consumer report recently. I am very stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ) ; Data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. This whole case has put immense pressure on me as it has effected my credit highly limiting opportunities for myself. On top of that - the company keeps harassing me through calls multiple times a day despite repeated displeasure conveyed from my end. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are 100 % inaccurate.…

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I have repeatedly asked the company to provide proof the alleged debt belongs to me, and they have failed to provide all I requested. They now have a law firm contacting me and threatening to file a lawsuit. I have informed them they failed to provide proof and informed them I filed a complaint with you-CFPB and to cease and desist, but they continue to send me written letters attempting to collect and file suit against me.

PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am writing to file a formal complaint against Portfolio RecXXXXvery Associates , LLC ( " PRA '' ) for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., in connection with two XXXX XXXX XXXX. accounts. Account XXXX : XXXX XXXX XXXX. ending in XXXX, balance claimed {$970.00} Account XXXX : XXXX XXXX XXXX. ending in XXXX, balance claimed {$600.00} On XX/XX/year>, I sent PRA a formal written Demand for Debt Validation and Chain of Title via certified mail, requiring production of seven categories of documentation including the original signed credit agreement, a complete chain of title showing every assignment from XXXX XXXX XXXX. to PRA, the exact date of last payment, charge-off date and balance, complete account statements, the purchase price PRA paid for the accounts, and proof of PRA 's New York State debt collection license.…

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A process server hired by Portfolio Recovery Associates , LLC attempted to serve me at completely inappropriate times early in the morning when I was gone and late at night when my XXXX XXXX XXXX child and I were sleeping. Just after XXXX, and just before XXXX at night. After multiple days of harassing behavior I came out one morning to find the attached notices from the process server XXXX XXXX taped to my front door and garage door. The notices are positioning himself as a law enforcement official and are threatening.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Complaint Against : Portfolio Recovery Associates , LLC Complaint Type : Incorrect credit reporting / Failure to properly investigate dispute Complaint Narrative : I am submitting this follow-up complaint regarding Portfolio Recovery Associates , LLC ( XXXX ) and their continued inaccurate reporting of an alleged debt account originally associated with XXXX XXXX XXXX responded to my prior complaint with generalized statements claiming the account was verified based on business records. However, XXXX failed to provide any actual documentation or evidence to support the validity, ownership, or accuracy of this account.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Hi, Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against Portfolio Recovery Associates , LLC for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX. Violation XXXX : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. XXXX ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor " on my credit file ( see attached evidence ). This is a factually false statement. Portfolio Recovery Associates , LLC is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus.…

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I dispute this alleged debt. The company is attempting to collect a debt without providing proper validation or documentation showing I am legally obligated. They have not provided chain of title, original creditor agreement, or a full accounting of the amount claimed. Despite requesting information, I have not received sufficient documentation to verify the debt. I am requesting full validation, including : proof of obligation original creditor agreement documentation showing authority to collect Until validation is provided, all collection activity should cease and the account should be reported as disputed or removed. I request investigation and correction under applicable consumer protection laws.

PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

To Whom It May Concern, This letter is regarding collection accounts that are currently being reported on my credit report. You are claiming that I owe debts that are inaccurate. Please provide validation of these alleged debts immediately. I am aware that any information reported to credit reporting agencies must be accurate and properly validated. Invalidated information must be removed from my credit reports immediately. Please note that I am not requesting verification of these debts ; I am requesting full validation. From the date you receive this letter, I request that you stop reporting this information to any credit reporting agencies until the debts have been properly validated. Continuing to report unvalidated information may violate my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).…

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I am submitting this complaint regarding inaccurate and unverified information currently being reported on my credit file. After reviewing my credit report, I discovered that Portfolio Recovery Associates is reporting a collection account with a balance of approximately {$470.00} and account ending in XXXX. I disputed this account and requested validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested documentation verifying the accuracy of the account, including : A copy of the original signed contract with the original creditor A complete payment history and itemized breakdown of the alleged balance Documentation showing the date of first delinquency Proof that Portfolio Recovery Associates has the legal authority to collect this debt Despite my request, the company continues to report the account to consumer reporting agencies without providing proper…

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A third-party debt collector purchased the debt from the original creditor. The amount of the debt they sold is {$5500.00}. I had an agreement with the original debt collector for that amount only. I feel that the original debt collector sold the debt to a new debt collector as it shows on my credit report. So, by law it is null and void because I did not have an agreement with the new debt collector or sign no new agreement with the new debt collector. Now they are suing me for the amount due. Please help. I feel I do not owe the debt to the new debt collector, and I would like it removed from my credit report. Thank you

My name is XXXX XXXX, and I am writing to formally dispute a collection account erroneously assigned to me by Portfolio Recovery Associates LLC, which is negatively impacting my credit scores. I recently discovered that this collection account, numbered XXXX has been reported on my credit reports by XXXX XXXX XXXX XXXX with a current balance of {$2400.00}. However, this debt is not mine. I first became aware of this issue after noticing a significant drop in my credit scores. Upon obtaining copies of my credit reports, I found that my scores have plummeted to XXXX with XXXX XXXX with XXXX and XXXX with XXXX largely due to this erroneous collection account. This has caused considerable stress and has impeded my ability to secure necessary credit for personal financial needs. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute debts that are not valid. I am exercising this right and requesting immediate action to correct this error.…

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I have reviewed your response and it does not resolve my dispute. You state that you purchased the account and that your records show my name and partial social security number. However, this does not constitute proof that I am personally liable for the alleged debt. This account was opened as a business credit account. You have not provided any documentation showing that I personally guaranteed this account or agreed to be personally responsible. To properly validate this debt, I require : - A copy of the original signed agreement or application - Documentation clearly showing a personal guarantee, if any exists - Full account statements from the original creditor - Proof of your legal right to collect this specific debt A summary of account data or business records is not sufficient to establish personal liability. Until such documentation is provided, I continue to dispute this account and request that it be removed from my credit reports as inaccurate.…

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