Consumer complaint received 2021-07-28
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:
To whom it may concern, I am writing this letter due to an ongoing attempt by Portfolio Recovery Associates to extort money from me for a debt not owed to them. I have never had any contractual business or personal arrangement with Portfolio Recovery Associates nor have they provided me with any verifiable information from the original creditor which I have previously disputed and subsequentially had the original credit XXXX XXXX XXXX XXXX debt deleted/removed from my credit report. Portfolio Recovery Associates has tried numerous times over a period of four plus years to collect this fraudulent debt which i DO NOT owed to them and each time this un-owed debt was disputed and deleted by all three credit repositories ( XXXX XXXX and XXXX  }. Also, I have never received in writing or by phone any notification of the underlying un-owed debt in reference to this new collection filing as of XX/XX/XXXX which is a DIRECT violation to the Fair Debt Collection Practices Act and/or Fair Credit Reporting Act ; however, the opening date of the un-owed debt was reported as XX/XX/XXXX which is incorrect since Portfolio Recovery Associates have been trying to collect on this un-owed debt for several year to date. I previously provided the original creditor ( XXXX XXXX ) with a copy of the payment arrangement the offered me and my bank statement which confirmed that they received my payment as terms of the repayment agreement I made with them in order to avoid the account being charged off. For this reason, the account was removed/deleted from my credit report. Furthermore, as noted by law for the State of Nevada, Nevada law states that the clock on the statute of limitations starts on the date of the last transaction of the last item charged or the last credit given by ORIGINAL CREDITOR which is ( XXXX  XXXX ). I am under no obligation to pay a debt which I do not own since I have never entered into any legally binding agreement with Portfolio Recovery Associates, nor do they possess the original credit agreement I signed with XXXX XXXX such as but not limited to repayment terms, payment history, original date of delinquency by the original creditor ( XXXX  XXXX ), loan/credit terms and address on file all required to prove custody of this account if repayment was owed which it is not nor have I ever confirmed verbally by phone the ownership of this fraudulent debt to anyone employed or under contract with Portfolio Recovery Associates. Also, the account number which Portfolio Recovery Associates have given to XXXX XXXX  and XXXX  is incorrect and does not match the original account number listed for XXXX  XXXX. Portfolio Recovery Associates has for years harassed me for this debt not owed by continuing to file collections entries on my credit file. I respectfully ask Portfolio Recovery Associates to remove/delete this illegal action from all credit bureaus, which for many years has caused me harm. If this request is denied, I will be forced to take legal action against Portfolio Recovery Associates for damages. Note : All my previous disputes and subsequential deletions pertaining to this collection account are in the custody of the credit bureaus.

Company response to consumer: Closed with explanation