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Debt was result of identity theft. To Whom It May Concern, I am filing this formal complaint against Portfolio Recovery Associates , LLC ( XXXX ) for unlawful debt collection practices, failure to properly validate an alleged debt, illegal re-aging of the account, and improper, inaccurate credit reporting, all of which have caused severe harm to my credit profile and financial well-being as a mother and primary provider for my family of XXXX. Background & Timeline : On XX/XX/XXXX XXXX XXXX Portfolio first contacted me about an alleged debt they claimed to have acquired from XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I sent Portfolio a timely Debt Validation and Ownership Documentation Request ( attached ). In that letter, I made clear that I was conditionally willing to resolve any lawful d