Consumer complaint received 2018-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint today for numerous FDCPA violations by Portfolio Recovery Associates, LLC ( PRA LLC ) as outlined below. I have made numerous attempts to contact PRA to settle this matter to no avail. The violations as outlined below show that PRA has continued to violate FDCPA regulations as well as regulations brought against them by a consent order from the CFPB in XX/XX/XXXX here : https : //files.consumerfinance.govXXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

PRA has failed to provide me with any validation of debt despite numerous attempts to obtain this information. They have asserted each time that they contacted me and have sent validation via mail but I have never received any verification. They have also failed to provide proof of sending this information. I have made attempts to collect this data on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt, and it is their responsibility to respond within 30 days. I have received no reply from PRA that provides validation of this debt according to federal guidelines. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}. Additionally, this is a violation of the court order from the XX/XX/XXXX lawsuit brought against them by the CFPB listed above. 

PRA continues to report themselves as a factoring company on the credit reports, which is incorrect reporting as PRA is a junk debt buyer and not a factoring company. PRA has also continued to report as a revolving account which is a violation of the FDCPA. This is also a violation of the court order from the XX/XX/XXXX lawsuit brought against them by the CFPB listed above. 

I have made numerous attempts to contact PRA through mail, CFPB, XXXX, and the credit reporting bureaus to no avail. PRA has continued to violate my rights under the FDCPA repeatedly and have lied each time I have filed a complaint. It's clear that PRA has no regard for the laws, proof shown through the XX/XX/XXXX consent order. It's obvious that PRA has not changed their abusive and harassing tactics as a result of that order. 

Note : I have attached PRA 's previous responses that do not provide legal validation of debt. PRA has failed to mail me any debt validation despite their assertion that they had. 

This matter has also been brought to the attention of the Attorney General 's of California and Virginia.

Company response to consumer: Closed with explanation