Product: Debt collection

PHYSICAL COPY SENT TO OWNER OF ACCOUNT AS WELL TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX [ REDACTED ] XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off and Request for Verification under the Fair Credit Reporting Act Dear PORTFOLIO RECOVERY ASSOCIATES , LLC I am writing to dispute the accuracy of a charge-off appearing on my credit report associated with account number XXXX. I do not recognize this debt and hereby formally dispute it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my rights to request a thorough investigation and verification of this alleged debt.

Under the FCRA, I request the following : 1. Verification of the Debt : - Proof of the Amount : A complete itemization of the alleged debt, including the original amount, any interest, fees, or charges, and a detailed explanation of how these were calculated.

- Account Documentation : Copies of any contracts, signed agreements, or account statements that substantiate this debt and legally obligate me to pay it.

- Payment History : A complete payment history, including dates and amounts of all payments made, credits applied, and any charges added.

2. Description of Verification Procedures : - A detailed description of the procedures you used to determine the accuracy and completeness of the disputed information, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Obligations and Consequences : - Cease Reporting Inaccurate Information : Until you have completed your investigation and verified the accuracy of this debt, you are required under the FCRA to cease reporting this information to any credit reporting agencies.

- Correction or Deletion of Information : If you can not provide the requested information within 30 days, you must promptly delete all references to this debt from my credit reports and cease any further reporting of this information.

- Legal Consequences : Failure to comply with these legal obligations may result in complaints filed against your company with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office of my state. I also reserve the right to pursue civil action for violations of the FCRA, which may include actual damages, statutory damages, court costs, and attorneys fees.

Additional Instructions : - Written Communication Only : Please limit all future communications with me to written correspondence sent to the address provided above.

- No Third-Party Communication : Do not contact any third parties regarding this matter.

Certification and Record-Keeping : This letter serves as formal notice of my dispute. Be advised that any attempt to collect this debt or report inaccurate information without proper verification may constitute a violation of federal law.

Conclusion : I expect a timely and complete response to this request within 30 days of receipt. Failure to do so will be considered willful non-compliance with federal laws governing fair credit reporting practices. 

Thank you for your prompt attention to this matter. 

SINCERELY, [ XXXX ]