Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Date : XX/XX/XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Formal Complaint Violation of Consumer Rights & Demand for Immediate Action Dear Portfolio Recovery Associates XXXX XXXX am writing to formally address my ongoing dispute regarding the inaccurate and deceptive reporting of an alleged debt associated with my credit profile. I previously submitted a request for validation of this debt, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). To date, I have not received the lawfully required documentation substantiating the validity of this alleged debt, despite my repeated requests. 
As evidence of my good faith effort to obtain this information, I am referencing my previous correspondence sent on XX/XX/XXXX, via XXXX Certified Mail Tracking Number : XXXX, which was delivered and picked up at your facility in XXXX, VA XXXX, on XX/XX/XXXX, at XXXX XX/XX/XXXX The lack of response to my lawful request is a clear violation of my consumer rights under federal law. 
Violations and Legal Basis 1. Failure to Provide Validation of Debt : o Under the FDCPA ( 15 U.S.C. 1692g ), you are required to provide documentation proving the validity of this debt, including a wet-ink signature of an original contract, full itemized payment history, and proof of assignment or legal ownership of the debt.

o I have not received the requested documents, making your continued reporting of this alleged debt a violation of my consumer rights.

2. Failure to Provide Verification Procedures as Required by Law : o Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to conduct a reasonable investigation into disputes and provide a description of the verification process used to confirm the accuracy of the information reported.

o You have failed to disclose these details, making your reporting to credit bureaus potentially deceptive and unlawful.

3. Unlawful and Harmful Credit Reporting Practices : o Reporting this unverified and invalid debt has caused undue harm, affecting my ability to obtain essential credit for a home mortgage and vehicle purchase for my household.

o This constitutes deceptive reporting practices and may be subject to enforcement action under the Federal Trade Commission ( FTC ) Act and the Consumer Financial Protection Bureau ( CFPB ) regulations.

Demand for Immediate Action Due to your continued failure to comply with federal law, I am formally demanding the following immediate actions : 1. Immediate removal and permanent deletion of this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
2. A formal written response within ten ( 10 ) business days providing all required validation documents, including : o A copy of the original contract with my signature.

o A detailed payment history from the original creditor.

o Proof of assignment/ownership of the debt.

3. A complete description of the verification process used to confirm this debt, as required under federal law.

Legal Recourse if Non-Compliant If you fail to provide the requested validation and continue to report inaccurate information, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office for deceptive and unfair reporting practices.

Pursue legal action under FDCPA & FCRA violations, seeking damages for harm caused by these deceptive practices.

This is not a duplicate complaint but a formal escalation due to your non-compliance with federal regulations. I will continue to document all communication and responses.

I expect a prompt resolution to this matter. Please direct all correspondence to my address above. 
Sincerely, XXXX XXXX