Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom this may concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) now due to the ongoing violations. Additionally, I am reporting these issues to XXXX and other relevant regulatory agencies. If these violations are not properly addressed, I will pursue legal action to hold Portfolio Recovery Associates , LLC accountable for its violations and seek to restore my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : I, XXXX XXXX, have received repeated correspondence from Portfolio Recovery Associates , LLC regarding an alleged debt under the account number XXXX. The communication violates the FDCPA in several areas. Specifically : 15 USC 1692 ( c ) Communication in connection with debt collection : I have been contacted repeatedly after I requested no further communication regarding this account. 
15 U.S. Code 1692b Acquisition of location information : The debt collector contacted third parties to obtain my information without following the required procedures under the FDCPA. 

XXXX. Harassment and Abuse : Despite the requests for no further communication, I have continued to receive emails and letters from Portfolio Recovery Associates. These communications are attempts to collect on the alleged debt and include unprofessional language or promises to resolve the debt for lower amounts. This constitutes harassment and is a violation of FDCPA XXXX XXXX. 

XXXX. Impact on My Credit Report : In addition to the ongoing communication violations, I have noticed updates to my credit report that are concerning. On XX/XX/year>, I observed that a dispute was noted on my XXXX credit report with the comment " disputes after resolution '' under the collections account. However, I was not provided any documentation confirming the resolution of this dispute. Furthermore, my XXXX report shows no payment history for XX/XX/year>, and the account is listed as " debt buyer account, '' which is inaccurate and misleading. This incomplete and inaccurate reporting is damaging to my credit, and I request that these errors be corrected immediately. 

XXXX. Failure to Provide Debt Validation : Under the FDCPA, I am entitled to request validation of any alleged debt. Portfolio Recovery Associates has failed to provide the necessary documentation to substantiate the debt, such as : A detailed explanation of what this alleged account balance is for. 
A complete payment history and account calculation. 
Documentation proving that I agreed to pay this debt, including my signature or any authorized agreement granting them the right to collect. 

XXXX. Cease and Desist Request : As required by law, I have requested that Portfolio Recovery Associates cease all communications regarding this account, yet they have continued their attempts to collect. These actions violate my rights under the FDCPA, and I demand that they cease all communication immediately. 
XXXX. Legal Precedent and Additional Violations : As referenced in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, inaccurate credit reporting and failure to correct errors violate consumer rights under the Fair Credit Reporting Act ( FCRA ). Portfolio Recovery Associates, LLCs continued reporting of inaccurate information and refusal to correct these issues further supports my claim. 

Given the aforementioned violations, I respectfully request the following resolution : XXXX cessation of all collection efforts and communication related to this account. 
The correction of inaccurate and misleading information on my credit report. 
The removal of any derogatory information related to this account. 
Full debt validation, including all requested documentation, in accordance with 15 U.S. Code 1692g. 
Compensation for the damages I have incurred due to these violations, including but not limited to the harm caused to my XXXX XXXX and the emotional distress resulting from harassment. 

I request that this matter be resolved promptly. If these issues are not resolved satisfactorily, I will pursue all available legal remedies, including filing complaints with the CFPB, XXXX, and other relevant agencies. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX