Consumer complaint received 2020-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent portfolio recovery assoc. llc.numerous letters dated XX/XX/2020, XXXX, XX/XX/2020 ) debt validation/dispute letters requesting the information below I do not owe Portfolio Recovery Assoc. llc any money.

( 1 ) identify the original creditor, ( 2 ) last date of activity, ( 3 ) last date account was paid, ( 4 ) an Original copy of the contract between myself and the original creditor with my signatures with terms and conditions with signatures.

( 5 ) interest and fees associated with this account.

( 6 ) the proper and legal assignment contract between you the collection agency and the original creditor ( proof that you can legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ) ; ( 7 ) proof that you are licensed to collect debts in the State of xxxxxxxxxxxx.

( 8 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown ), and they are violating my rights under 15 U.S. Code 1692g. Validation of debts and Disputed Debts. I didnt realize that I can not exercise my rights under the 1692g ( b ). I am given certain rights under 1692g Act therefore, not complying with the 1692g Act is a violation. The 1692g Act does not say that a debt collection company can involk their own standard complaint process but rather defines what a dispute and debt validation are under each subsection. See below under definition of my rights.

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Portfolio Recovery failed to comply according to subsection with regards to ( 3. Or any portion thereof the debt ) subsection ( b. ( a ) unless the consumer has notified the debt collector in writing that the debt or any portion of the debt ) I am entitled to dispute and ask for validation to any part of the allege debts and requesting this information does not exceed the operation of law according 1692g for debt/dispute validation. Therefore, I am rightfully entitled under the law for the information I requested and if not provided is a violation under FDCRA At this point since Portfolio Recovery Associates, LLC, refused to validate/ dispute allege debts Any further attempt to collect on these or any allege debts is a violation under 1692 g ( b ) because they failed and refused to validate/dispute any debts therefore, is validation of my rights under 1692g Act FCPA , FCRA and the FTC ACT. Under section 1692 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. They are claiming that they have resolved this issue which is false they haven't provided the information I requested and now are refusing to validate the allege debts. And giving false information that they have resolved the issue which is lie they have not resolved the issue and have not provided the information I requested.

Company response to consumer: Closed with non-monetary relief