Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Re : Portfolio Recovery Associates LLC Acct # : XXXX Dear Sir/Madam : I want to make a formal complaint. I have filed several disputes with Portfolio Recovery Associates , LLC. They had failed to validate an account under the Federal Debt Credit Practice Act. Portfolio Recovery Associates , LLC. failed to delete the inaccurate information between myself and Portfolio Recovery Associates , LLC. due to non-compliance. 
The Federal Debt Credit Practice Act specifically states : 15 USC 1692g ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The Federal Credit Reporting Act specifically states : 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate It appears that Portfolio Recovery Associate LLC have a constant habit of non-compliance of not validation my alleged account, not replying to my dispute and reporting inaccurate information. 
I see you recently filed a complaint with Virginia XXXX XXXX against Portfolio Recovery Associates for their illegal debt collection and credit reporting violations. 
Case # XXXX Portfolio Recovery Associates , LLC XXXX reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This inaccurate reporting has damaged my livelihood. 
According to the law-the Federal Credit Reporting Act a consumer reporting agency must report maximum possible accurate information. 

This is a violation of the Federal Debt Credit Practice Act and Fair Credit Reporting Act by Portfolio Recovery Associates , LLC. I demand that this information be deleted from my consumer reports. 

Original Creditor : XXXX  XXXX Account # XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation