Consumer complaint received 2021-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX ) The collection Agency PORTFOLIO RECOV ASSOCIATES which is on XXXX XXXX XXXX XXXX, VA XXXXhas not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2020 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. This company has not provided the purchase agreement that authorizes them to collect on the alleged debt. They have also not provided me with the following : Copy of the application of credit as i need exactly what debt you are trying to collect Copy of card holder agreement ( The Contract ) and any amendments as this will show what the terms of the contract are so i can see if you are following this in the amount you are trying to collect from me. 
Monthly Statements from when i had a XXXX balance up to the final statement because i need to see all the charges, payments, credits, etc. to compare this with the cardholder agreement and see if the amount you are claiming is correct. 
What is your authority to collect this debt as i have never done business with you. If you claim to own any debt you claim i owe, give me the full purchase agreement so i can see if you really own this debt. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this account accordingly. 

This company has caused harm to my reputation and harm to my family as they have violated the following laws : - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$25000.00} for violations of the FDCPA.

Company response to consumer: Closed with explanation