Document ID: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-ared-4_24-cv-01053/USCOURTS-ared-4_24-cv-01053-0/pdf.json

Parties Involved:
Lawrence Aponte
Plaintiff
Portfolio Recovery Associates LLC
Defendant

Document Text:

IN THE UNITED STATES DISTRICT COURT 

EASTERN DISTRICT OF ARKANSAS 

CENTRAL DIVISION 

LAWRENCE APONTE PLAINTIFF 

v. No. 4:24-cv-1053-DPM 

PORTFOLIO RECOVERY 

ASSOCIATES LLC 

ORDER 

DEFENDANT 

1. Aponte's motion to proceed in forma pauperis, Doc. 1, 1s 

granted. He reports little income. 

2. The Court must screen Aponte's complaint. 

28 U.S.C. § 1915(e)(2). This action is brought under the Fair Debt 

Collections Act. In 2021, Portfolio Recovery acquired debt from Capital 

One Bank. Aponte allegedly owed the debt. He denies the debt is his, 

saying that Portfolio Recovery has illegally ignored all of his attempts 

to dispute it. He makes the following allegations: 

• Portfolio Recovery failed to provide sufficient validation of 

the debt in violation of 15 U.S.C. § 1692g(b). 

• Portfolio Recovery failed to notify the consumer reporting 

agencies that Aponte disputed the debt as required by 

15 U.S.C. § 1692e(8). As a result, Aponte's alleged debt was 

inaccurately reported to potential third party lenders in 

violation of 15 U.S.C. § 1692e(2)(A) and § 1692e(8). 

Case 4:24-cv-01053-DPM Document 3 Filed 12/04/24 Page 1 of 2
• Portfolio Recovery falsely represented that it is authorized 

to collect the alleged debt in violation of 15 U.S.C. § 1682e(5). 

• Portfolio Recovery attempted to collect on a debt 

unauthorized by any recorded agreement in violation of 

15 U.S.C. § 1692£(1). 

Doc. 2 at 4-5. Aponte has pleaded enough facts to justify service of his 

lawsuit. 

The Clerk must issue summons and provide it and a copy of the 

complaint, Doc. 2, to the U.S. Marshal. The Court directs the Marshal 

to serve process, without prepayment of fees, by registered mail, 

restricted delivery, return receipt required, on the address provided by 

Aponte. 

So Ordered. 

D .P. Marshall J f. 

United States District Judge 

-2-

Case 4:24-cv-01053-DPM Document 3 Filed 12/04/24 Page 2 of 2