Consumer complaint received 2019-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 am disputing a debt reported on my creditt file by Portfolio Recovery Associates, a company that purports to be a debt collector. They report that they purchased a debt that they say belongs to me with the account number as : XXXX. I have tried to have the debt BOTH VERIFIED and VALIDATED, to no avail. I have sent multiple letters via U.S. Mail, asking for validation documents, as I do not believe I owe this debt. I have either received no response or a letter from Portfolio Recovery stating that they purchased a debt that they say belongs to me. On XX/XX/XXXX I sent a certified letter, with overnight shipping, requiring signature at delivery, requesting the following items. As of today, that letter still has not been delivered. On XX/XX/XXXX I again, sent another copy of the same letter overnight mail, NOT requiring signature. That letter also hasn't been delivered. When I inquired atthe United States Postal Service number ( XXXX ) XXXX, I was advised that the company Portfolio Recovery picks up it's own mail from the post office, rather than having it delivered to it's office address. Both of the letters I sent are STILL in the post office and have not been picked up. I feel I have no choice but to seek assistance here to have this account removed from my credit report immediately, pending verifification of the debt. I received 2 letters from Portfolio Recovery in the mail yesterday, both containing letters asking for a sum that does not match any current or former ormer accounts held by me. They included what appears to be a photocopy of a credit card bill from XX/XX/XXXX, which, again, does not match the amount they are seeking. I have no knowledge of this account and am disputing it's validity. They have reported the supposed debt on my credit report as late beggining XX/XX/XXXX. I have never entered into a contract of any kind with this company and therefore, I could not have been late. They also continue to report the debt as late on a monthly basis. I have reported them here once before. Their response was vague at best, and they stopped reaching out to me which is what they agreed to in their response to my complaint on your website. However, that only lasted for a few months, and they have now began toreach out to me again. They have IGNORED my requests for verification documents. A letter from them and what they report is an old credit card bill from XX/XX/XXXX are NOT sufficient for validation. The letters that I have sent to them multiple times this year are requesing they promptly produce and send to me the following : 1.The name and address of the original creditor, the account number and the amount allegedly owed.

2.The original contract of the debt, with my signature, from the original creditor..

3.ALL statements and purchases on this debt, for the life of the original credit card account 4.COMPLETE payment history made on the original debt 5. Documentation of interest or fees added to the original debt since the last statement and the legal authorization for that interest.

6. Proof, including chain of evidence, that your agency is legally entitled to collect on this debt 7. Evidence that I have ever entered into a legal contract/debt with your agency. I see that on my credit report that you have listed me as missing payments beginning in XX/XX/XXXX. However, I have never entered into a contract with your agency.

8. The tax form 1099 showing a loss and write off from the original creditor 9. Proof that this debt is within the statute of limitations and how that was determined.

10. Proof of your agencys licensure to collect debts within the state of New York. If so, please provide me with the date of the license, the name on the license, license number, the name address and phone number of the agency issuing the license. If you are contacting me from outside New York State, please provide me with the aforementioned licensing information for your state as well.

I ask that they remove this item from my credit report and cease all collection activitity until such time as they provide me with the aforementioned verification documents. If they connot produce said documents, I want the case closed and for them to be banned from any collection activities againt me in the future, including sellling this supposed " debt '' to another agency for collection.

Company response to consumer: Closed with explanation