Consumer complaint received 2020-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I submitted an online complaint to the Consumer Financial Protection Bureau, about a negatively reported collections account ( XXXX ) from Portfolio Recovery Associates onto my credit files on XX/XX/2020, in which I never received documentation to dispute the debt. In response to my dispute on the Consumer Financial Protection Bureau 's website, Portfolio Recovery Associates indicated and provided evidence that they sent a letter correspondence to my home on XX/XX/2020 ( see attachment. ) Upon review of that letter, it contained an address that I have never resided at in my life and Portfolio Recovery Associates stated that when they did not hear back from me that is when they reported negatively to my credit files with all three credit bureaus and since my complaint, they have submitted sufficient evidence to that address to connect me to the debt that they purchased. I am writing this complaint because I just received correspondence from Portfolio Recovery Associates at my correct address dated XX/XX/2020, indicating they received my dispute and provided me with documentation that they feel links me to the debt, such as my last 4 of my social security number, the account open date provider by the seller and just my name. In my previous complaint ( XXXX ), I asked for the following information in totality " The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed that includes a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. - Documentation that states whether this debt is within the statute of limitations and how that was determined. - Specify your relationship between the original creditor and your agency. - Provide documentation from the original contract the bears my wet-ink signature that shows that I am the intended party of the debt and then show what documentation transferred between the original creditor and your company that gives you jurisdiction to collect this debt. - Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Again I would like all the requested information provided to me in totality via postal mail due to your companies deprivation of allowing me to request this information independently before you placed this account on my credit reports. Any omission of the requested documentation yields the inability to validate the alleged debt and therefore the account must be removed from all credit bureaus immediately. ''

Company response to consumer: Closed with explanation