Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reference compliant # XXXX - I am writing this letter because I believe that my compliant was closed prematurely since a few key facts were not addressed which I believe violates my rights under the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act with regards to Portfolio Recovery Associates and their attempt to collect a debt that I do not owe which was subsequentially deleted by XXXX XXXX from my credit report by XXXX, XXXX AND XXXX. 1. I never received any written or verbal notification of a debt from Portfolio Recovery Associates as it pertains to their filing on or after XX/XX/XXXX. 2. Also, the representative of Portfolio Recovery Associates who wrote the previous response to CFPB inquiry which I believe was prematurely closed was untruthful when they claimed that they sent their initial notification to me on or about XX/XX/XXXX, this is blatantly untrue because the account was DELETED from my credit report by XXXX and XXXX prior to XX/XX/XXXX. The debt was still in the custody of XXXX XXXX in XX/XX/XXXX as indicated in my credit report but later DELETED by XXXX also months later as a result of my disputes as indicated by my XXXX XXXX credit report ( which you can clearly see that no charged off for XXXX XXXX in the amount of {$710.00} which wasn't listed for XXXX or XXXX due its previous deletion ) which I have attached in the is letter. In addition, I have never received " any '' formal notification by Portfolio Recovery Associates of any un-owed debt nor is the previously owed debt to XXXX XXXX correct which was {$710.00} and not {$710.00} as reported by Portfolio Recovery Associates which is another violation of federal and state law with regards to debt collection practices. I have attached an email copy of the correct balance amount which was previously owe to XXXX XXXX prior to the account being deleted which I paid the amount of {$48.00} dollars to XXXX XXXX which they offered me to avoid the account being charged off. However XXXX XXXX charged off the account a couple of weeks despite our agreement which in legal terms is called, " A BREACH OF CONTRACT '' which is the reason why the account was deleted from my credit report. In addition, all statements made by Portfolio Recovery Associates can be proven untrue because I had moved out of my previous home at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) around XX/XX/XXXX and have been living abroad ever since. Also, I no longer reside in the US since I am medically retired, and a XXXX XXXX XXXX XXXX. As mentioned in my previous complaint to CFPB and as proof of the deletion of this charge off by XXXX XXXX, I have attracted a portion of my credit report from my dispute result with XXXX which shows that this account was DELETE AND REMOVE ( Please see attached PDFs and reference XXXX Credit Report : Dated XX/XX/XXXX, Report Number XXXX and XXXX credit report from XXXX. As you can see, the account number that Portfolio Recovery Associates have provided CFPB for this deleted account in question, does not match the ORIGINAL account number provided by XXXX XXXX and is incorrect and or incomplete.

Company response to consumer: Closed with explanation