Consumer complaint received 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I provided Portfolio Recovery Associates a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC 1692g stating that the claims were disputed and validation was requested by providing the following information : 1. Name and address of the alleged creditor 2. Name on file of alleged debtor 3. Alleged account number 4. Address on file for alleged debtor 5. Amount of Alleged debt 6. Date ( this alleged debt became payable ) 7. Date of original charge or delinquency 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased 10. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector Any agreement that bears the signature of Debtor, wherein agree to pay Creditor All statements while this account was open Have any insurance claims been made by any creditor regarding this account ( Y/N ) Have any judgements been obtained by any creditor by any creditor regarding this account ( Y/N ) Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES, LLC in case legal action becomes necessary : Addition letter language included : If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

After sever correspondences from PRA, I finally received a communication on XX/XX/XXXX ( 60 days passed my original communication ) The complete information was not provided. Additionally, the company has repeatedly violated the Cease and Desist which was enclosed in the same correspondence. The company has repeatedly called and mailed letters alleging that they have " established validity '' for a debt that I ( the consumer ) has not validated as belonging to me. PRA, LLC has not in good faith provided complete documents. 

At this point, this company continues to violate my rights and is borderline harassing me via mail and telephone. Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will report further violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 

I demand this company delete accounts from my credit report as cease all communication immediately : Accounts ; XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation