Consumer complaint received 2023-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a letter to Portfolio Recovery Associates LLC requesting full debt validation of the alleged debt in question via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my second letter on XX/XX/2023. 

Portfolio Recovery Associates LLC sent a copy of a statement that did not look authentic, stating that it was a copy from the original creditor, and that I owe the alleged debt. I mailed my third letter to Portfolio Recovery Associates LLC on XX/XX/2023 via Certified Mail, advising that I have previously sent them a request to fully validate the alleged debt in question under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. I stated in my letter that this does not meet the Federal Trade Commission 's guidelines of what constitutes as proper debt validation, in accordance, the case of XXXX XXXX XXXXXXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ). Portfolio Recovery Associates LLC received my letter on XX/XX/2023. 

After waiting for an additional 30+ days for Portfolio Recovery Associates LLC to properly validate the debt, Portfolio Recovery Associates LLC failed to send their response. 

I mailed my last letter, requesting Portfolio Recovery Associates LLC to remove the alleged debt in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail. 

Portfolio Recovery Associates LLC sent a letter on XX/XX/2023, refusing to validate the debt in question. 

I made a final attempt to correct the matter by contacting the original creditor that was listed on Portfolio Recovery Associates LLC last letter dated XX/XX/2023, XXXX XXXX. I spoke to a representative by the name XXXX on XX/XX/2023 at XXXX, requesting to provide any information on the alleged account in question. She stated that there was no information on file that was linked to the account number listed on the notice that I received from Portfolio Recovery Associates LLC. She also mentioned that there wasn't any payment history when she searched their databases with my social security number and address. 

Under the laws of the FDCPA, I have contacted the collection agency and original creditor myself and have been unable to get them to verify the alleged debt. 
I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Portfolio Recovery Associates LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant emotional and financial distress. 

I do not know who Portfolio Recovery Associates LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.

Company response to consumer: Closed with explanation