XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise