Consumer complaint received 2023-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It XXXX Concern : This letter is in response to the validation previously sent. The partial documents sent are not sufficient proof that I owe a debt to you, Portfolio Recovery Associates LLC. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally and well as financially. Your Company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a Consumer Contract as evidence of the debt but as per the judgement in the case of XXXX XXXX XXXX v XXXX, a copy of the Consumer Contract or statements is NOT sufficient evidence of a debt. Furthermore, the original creditor reported this on my consumer report as a " charge off '' and they are no longer attempting to collect this alleged debt owed by them. I have contacted XXXX XXXX directly to confirm that they are making no further attempts to collect this debt. Through the response received from this creditor, I would like to inform you that you are in violation of 15USC192j ( a ), because your company furnished a deceptive form to create a false belief in me as the consumer that the " creditor '' was attempting to collect a debt, but XXXX XXXX has informed me that is not true. Pursuant to 15USC 1692j ( b ), any person violating the above mentioned section shall be liable to the extent mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX dollars USD ) per violation. I have counted several thus far. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Delete from all consumer reports 2. Clear away any alleged balance owed 3. Stop all attempts to collect on this alleged debt REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE And NEGATIVE REPORTING OF THIS DEBT You shall be granted 10 days to comply. Should you not, I will put this case forward to the Attorney General and pursue legal action for the violations identified above. Please govern yourself accordingly, XXXX XXXX XXXX Acct number XXXX ref # XXXX

Company response to consumer: Closed with non-monetary relief