Consumer complaint received 2021-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi PRA, XXXX XXXX, attorney XXXX XXXX XXXX ; ******I SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at PRA and then got transferred to the attorney 's office of XXXX and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief