Product: Debt collection

Dear XXXX XXXX XXXX, Thank you for your detailed response regarding the debt associated with the XXXX XXXX XXXX account ending in XXXX. While I appreciate the information you provided, I must respectfully contest several points raised in your letter. 

1. Ownership and Verification of Debt : You state that Portfolio Recovery Associates , LLC ( PRA ) is the current owner of the account and that the Firm has sent verification of the debt. However, I believe that the verification provided does not sufficiently address my concerns about the legitimacy of this debt. As noted in my previous correspondence, I am a victim of identity theft.

2. Proof of Fraud : In your letter, you stated that a police report or affidavit of fraud is required to support my claim. I want to highlight that obtaining such documentation can be a lengthy process and may not yield immediate results. I believe that a comprehensive investigation into the fraudulent charges should provide sufficient evidence of my situation. Additionally, any legal documentation pertaining to my personal circumstances is private property, and I should not be obligated to disclose it without a thorough and fair investigation of the alleged fraud as required by the CFPB.

3. I previously proposed a settlement offer of {$500.00} and then {$1000.00}, 2 offers believing them to be a fair resolutions while I work to gather the necessary evidence. It is disappointing that none of my offers have received counteroffers or even a willingness to engage in negotiations. I am eager to resolve this matter, Despite the fraud encountered by me, I remain open to discussions that would allow us to settle this issue effectively.

4. Legal Documentation : The reason that I requested legal documentation in my letter to you was to gain a clear understanding of the alleged debt, including the identity of the individual who signed the initial agreement simply trying to figure out if it was a friend, family, cousin, parent. To date, the information provided has primarily consisted of publicly available data about me, with a statement that shows charges in multiple states. which does not suffice for my requirements. As a victim of identity theft, it is essential for me to verify the legitimacy of this debt before taking any further action. I simply want a clear understanding of why this account is in my name as I have people who stay at my house on a regular basis and I pray that they wouldnt do that to me.

5. Understanding of Legal Terms : I appreciate your clarification regarding the Warrant in Debt form included in the lawsuit I received. However, I believe clearer communication is essential regarding what is expected of me at this stage. Given that I have actively been trying to resolve this account and facilitate payment despite the underlying issues, its crucial that I fully understand my obligations and the implications of the documents sent.

6. Consumer Rights : I would like to reiterate my rights as a consumer under the Fair Debt Collection Practices Act. While I recognize your assertion that the Firm has complied with the FDCPA, I believe that my rights as a consumer should be upheld, I hope we can engage in a constructive dialogue to resolve this matter amicably. Please let me know how we can proceed in a manner that acknowledges my situation and respects my rights.

I want to reiterate, I am willing to settle the account out of my own pocket, despite not knowing how it ended up in my name. As a consumer, I face challenges in protecting my publicly available information, which may have led to this situation, Anyone can find out anything about you online unfortunately. Therefore, I again kindly request assistance in settling this matter. Please provide me with a link or instructions on how to proceed with a fair settlement amount. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX