Consumer complaint received 2018-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have spent a multitude of hours trying to rectify the alleged debt with PRA via online disputing through the credit bureaus and by mailing debt validation letters directly to Portolio Recovery Associates. Recently I mailed ANOTHER debt validation letter on XX/XX/2018 to Portfolio Recovery Associates requesting that they provide valid proof of the alleged debt they say I owe to them. 

I requested Portfolio Recovery Associates to provide me with the following documentation : 1 ) The name and address of the original creditor 2 ) The original date of default or non-payment of the debt with original creditor 3 ) The date the debt was transferred from the original creditor to the third-party debt collector 4 ) The original balance 5 ) The current balance 6 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 7 ) XXXX XXXX bond information as required by Sec. 392.101 8 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
10 ) Date this alleged debt became payable. 
12 ) Verification that this debt was assigned or sold to collector. 
13 ) Complete accounting of alleged debt. 
14 ) Commission for debt collector if collection efforts are successful. 

To date, all requested documentation has not been provided to me. Portfolio Recovery Associates continues to violate Texas law and provide me with the above requested documents. Furthermore, Portfolio Recovery Associates fails to provide their bonding information as required by Sec. 392.101 which violates Texas Law per the Finance Code which all three credit bureaus adhere to. 

The documentation that was provided by Portfolio Recovery Associates was incomplete and inconclusive. I was not able to determine the TRUE accurate balance, if one is owed, nor was I able to find payment history or any payment made at all according to the printed copies they provided. A complete ledger was not received, only partial statements with various dates. I can not base the accuracy of this debt with partial or missing documents. 

I have tried on several occasions to have this alleged debt verified and validated with hard core proof ( i.e contracts with my signature or a complete ledger of the account history ) Portfolio Recovery Associates have failed to provide either documents to me. PRA has send copies of a statement from the creditor with missing/ incomplete statement page ( s ), no payment history or cohesiveness in the dates of the statements. 

Portfolio Recovery Associates does, however, send me frivolous and vague dispute responses on their company letterhead stating that they have provided proof of this debt or that they need further information from me in order to complete their investigation, but fail to state exactly what information they would need from me as I am the one disputing the debt. PRA continues to report a negative inaccurate and unvalidated tradeline on my a credit report, which is a violation for the Fair Debt Reporting Credit Act. 

Portfolio Recovery Associates is purposely defaming my credit and breaking FDRCA laws which is preventing me from obtaining credit due to g this inaccurate debt reporting on my credit.

Company response to consumer: Closed with non-monetary relief