Product: Debt collection

ORIGINAL COMPLAINT ID FROM CFPB XXXX Portfolio Recovery Associates , LLC Subject : Response to Your Letter Dated XX/XX/year> Regarding Account XXXX Dear Sir/Madam, I am writing in response to your letter dated XX/XX/year>, which I found to be insufficient in addressing my concerns. Your response failed to meet the legal obligations required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ). It also neglected key demands outlined in my original letter. Below, I will detail the deficiencies in your reply and reiterate my demands.

1. Failure to Validate the Alleged Debt Your letter failed to provide the validation documentation I requested. As per 15 U.S.C. 1692g ( b ), you are required to provide : An itemized breakdown of the alleged debt. 

Documentation proving your ownership or assignment of the debt, including the purchase agreement or assignment contract. 

A copy of the original signed agreement creating the debt. 


Your generic statements about compliance with federal and state laws do not absolve you of this responsibility. Without proper validation, this debt remains unsubstantiated and should not be pursued further or reported to credit agencies.

2. Failure to Provide Proof of Licensure in Georgia You completely ignored my request for evidence of your debt collection license in the state of Georgia. As you are conducting collection activities in this jurisdiction, this information is critical. I reiterate my demand for : Proof of your license to collect debts in Georgia, including your license number and registration details.

3. Lack of Evidence to Support Your Claims While you stated that no records support allegations of misconduct, you failed to provide any evidence to substantiate this claim. Specifically : You did not include call logs or communication records to disprove my assertion of spam calls and violations of 15 U.S.C. 1692c ( c ) and 18 U.S.C. 894.

You did not provide documentation or proof that you ceased communication as required after my cease-and-desist letter.

4. Inadequate Resolution of Credit Reporting Issues You acknowledged that the account was disputed but did not provide evidence of corrective action, such as removing the account from credit reporting agencies or marking it as disputed. Continued reporting of an unvalidated debt violates my rights under the FCRA. 

5. Insufficient Remedy and Compensation Your response did not address my demand for compensation for the violations of my rights under the FDCPA and FCRA. These violations have caused financial harm, including credit denials, and have significantly disrupted my peace of mind.

Demands for Resolution To resolve this matter, I demand the following actions : 1. Full Debt Validation : Provide all required documentation to validate this debt, including : An itemized accounting of the alleged debt. 

Proof of ownership or assignment of the debt. 

A copy of the original signed agreement creating the debt. 



2. Proof of Licensure : Provide evidence of your license to collect debts in Georgia, including your license number and registration details.

3. Credit Reporting Resolution : Immediately remove the alleged debt from all credit reporting agencies ( XXXX XXXX XXXX XXXX and XXXX XXXX. Alternatively, mark it clearly as " disputed. '' 4. Compensation for Violations : Provide compensation of {$1000.00} for the violations of my rights, including failure to validate the debt, mishandling of my dispute, and the harm caused by inaccurate reporting.

5. Evidence of Compliance : Provide call logs or other records proving you complied with my cease-and-desist request and that you have not engaged in misconduct or harassment.

6. Timeline for Compliance : You have 15 days from the date of this letter to respond with all requested documentation and resolve the matter in full. Failure to comply will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals office. 

Pursuing legal action for damages and seeking all available remedies under applicable laws. 




Final Note Your dismissive and inadequate response does not absolve you of your legal responsibilities. I urge you to take this matter seriously and respond appropriately within the specified timeframe. Please direct all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX