Consumer complaint received 2019-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I mailed a dispute to the XXXX, XXXX  and XXXX credit bureaus disputing two derogatory accounts Portfolio Recovery placed on my file, as per my rights under the FCRA. I was specific in my demands that to prove the existence of said accounts, there would have to be a signed contract, a listing of the chain of assignments establishing Portfolio as a Holder in Due Course of any account, and a sum certain, a complete financial history of the alleged accounts with fees and interest in order to prove accuracy. About thirty days after, all three bureaus reported back that Portfolio validated the debts, and that my disagreement was acknowledged but these accounts remain. 
On XX/XX/2019 I sent a Method of Validation letter to the three bureaus again as per my rights under the FCRA, giving the allotted 15 days to answer and have received no answer more than 15 days on so, yesterday, the XXXX Of XXXX I mailed a letter to the three bureaus demanding both alleged Portfolio accounts be removed from my report. That was when I had decided to bring the Consumer Financial Protection Bureau into this to hold these companies to account and create a record preserving my rights. 
Also, I never recall having received a 1692g FDCPA Validation letter from Portfolio on either account and only knew of one account from a letter that was forwarded when I moved. The other account I was completely unaware of until I checked my credit in XX/XX/XXXX for the first time in years. Portfolio was calling the house number where I live and when I investigated the number I learned who they are and what they do, and I learned their business practices. I read the consent order that the CFPB issued against them and knew they are not a company I want to do business with nor are they a company I want to have possession of my personal information. On XX/XX/XXXX of this year they called the house and I called them back and told them they are never to call this number again. The calls ceased until my recent dispute with the bureaus and they started calling several times a day. Also, after I disputed with the bureaus I received a direct mailing from Portfolio including what I assume they count as proof of the validity of these accounts. A bill from each, a copy of a bill of sale, all hearsay. No contract, no legitimate chain of assignment, no sum certain documentation, no affidavits of accuracy. On XX/XX/XXXX I mailed a letter to them directly by certified mail informing them that I am aware of their business practices and their detrimental history, pointed out violations of the FDCPA, and demanded they offer verifiable proof of the legitimacy of these alleged accounts and told them to stop sending derogatory information about me to the bureaus if they cant prove anything. I have received no answer not even the certified receipt back. As I said, I am writing this to establish a record and hope some action can be taken against this company that frequently crosses the line into Unconscionability. 
Also, on XX/XX/XXXX, I received a follow up packet of documents from Portfolio in which they stated that they completed their investigation and enclose more documents that establish validity a false or misleading representation, as the documents are essentially the same as they already sent, a hearsay copy of bills from each alleged account and one vague Bill of Sale that is also hearsay. No sum certain as to the accounting of any of these accounts or contract.

Company response to consumer: Closed with non-monetary relief