Consumer complaint received 2021-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please reference previous complaint # XXXX. As previously stated, I never received any notification by Portfolio Recovery Associates of a alleged debt because as I have previously mentioned I moved out of my old home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX mid 2019. So it would have been impossible for me to receive any communication from PRA and any return to sender notification could have been intercepted by the new residents of my previous residence and viewed as junk mail and destroyed. Upon moving from my previous address and moving out of the United States, I forwarded my mail from my previous address ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) to a US Post Office Box, however, I did not receive any mail from PRA as I would every other piece of forwarded mail to my USPS postal box. 

Since leaving the country in XXXX of 2019, all of my mail is received by a trusted family member and we are also enrolled in the USPS informed delivery program and would have been notified of any forward mail from PRA, which never happened. So no I was never informed of any un-owed debt by PRA, and it is their responsible to send notification to an individuals current address and not that individual former address, a simple query or soft credit pull would have made them aware of my new mailing address.

Regarding the incorrect balance which PRA has always maintained and reported to the sum of {$710.00} dollars and not the correct previously owed but deleted balance of {$710.00} to XXXX XXXX. 

According to law regulating debt collection, the balance being pursued " MUST BE CORRECT '' and there is no wiggle room around it. It is PRA responsibly to report accurate information on a consumer credit file/report and there is no exception, they must also maintain that the credit bureau reflect accurate information and update any errors accordingly, this in not my responsibility and any inaccuracies reported falls between themselves and the credit bureau ( s ). Portfolio Recovery Associates do not have the pleasure nor the luxury of a, " DO OVER '' since the Fair Credit Reporting Act, requires that all data/information placed on a customer credit report be, " 100 PERCENT ACCURATE '' and any information found to be inaccurate, " MUST BE REMOVED/DELTED ''.

PRA have maintained that the original debt is {$710.00} dollars which was proven to be and incorrect balance, the previous deleted balance amount owed to Capital One was {$710.00} and not {$710.00}, this is verified information which I have previously provided to CFPB by way of attachments/proof of the error in PRA alleged debt balance.

Furthermore, it is not my responsibility as a protected consumer under federal and state law that the information shared between Portfolio Recovery Associates and the Credit Bureaus also known as ( XXXX XXXX, XXXX  ) or any other bureaus which maintains consumer credit data and for Portfolio Recovery Associates to say that they have no control as to the accuracy of information added to a consumer credit report/file is no accuse, since they too have a LEGAL obligation along with the credit reporting agencies to maintain accurate information/debt reporting as it applies to data entered into a consumer credit file/report.

As a result of inaccurate debt reporting by Portfolio Recovery Associates and any one of the major credit reporting agencies involved in applying INACCUATE data reporting of an alleged collection debt to the sum of {$710.00} ( XXXX, XXXX  and XXXX  ), I have been harmed and my consumer credit protection rights have been violated and as a result, I am demanding that this inaccurate alleged debt be DELETED and a cease and desist be be in effect of any further attempts by PRA be halted from further harm to my consumer credit report IMMEDIATELY and without delay. 

If no relief is granted by CFPB who I believe is not applying federal law and is simply closing my complaint upon any response from Portfolio Recovery Associates, I will submit a complaint to the Federal Trade Commission and/or my Nevada State Congressman 's office and my family attorney if necessary. There is no limit I will not go to ensure that my right as a protected consumer under the protection of Federal and State law be adhered and all remedies be applied.

I have previously provided evidence to the Consumer Financial Protect Bureau and Portfolio Recovery Associates and clearly mistakes were made with regards to legal notification of alleged debt, and the incorrect balance being reported on my consumer credit file/report which must DELETED/REMOVED immediately.

Company response to consumer: Closed with explanation