Consumer complaint received 2023-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX Re : Account Number : XXXX  Original Creditor : Synchrony Bank To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus . I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. 
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. 
I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX. 
An explanation and breakdown of how the alleged debt was calculated. 
Copies of any documents demonstrating my agreement to pay the alleged debt. 
Verification or a copy of any judgment if applicable. 
Proof that the Statute of Limitations has not expired on this account. 
Confirmation of your licensing to collect in the state of New York. 
Provide license numbers and the Registered Agent or Agent of Service. 
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. 
Additionally, I would like to bring to your attention that if Portfolio Recovery Associates or any affiliated company reports invalidated information to any of the major Credit Bureaus ( XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. 
If Portfolio Recovery Associates fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. 
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by USPS. 
I trust that Portfolio Recovery Associates will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation