Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Dear Sir or Madam : I would like to first say that I am a consumer and natural person. During the pandemic, I took advantage of the free consumer reports and I discovered two collections from Portfolio Recovery Associates. I reached out to PRA via letter dated XX/XX/2021, and I asked for validation of alleged debt for two accounts on my consumer report. As listed on my consumer reports, one says I allegedly owe {$680.00}, and the other says I allegedly owe {$790.00}. I received a letter saying they validated the debt with a remark that says " this is a communication from a debt collector but is not an attempt to collect a debt at the bottom of the letter which was confusing because they are attempting to do so, and I asked them to further explain this statement, and they also included two alleged bank statements for one account and completely IGNORED my request for the second account. 

The documents I requested from PRA included the following : 1. ) copy of application for credit to see what alleged debt they claim I owe, 2. ) copy of cardholder agreement and its amendments to show what terms of the agreement are, 3. ) monthly statements from when I allegedly had a XXXX  balance up until the final statement ( which includes all charges, credits, etc. to compare with the cardholder agreement, and 4. ) the FULL purchase agreement to determine if they had the authority to collect any debt as Ive never done business with PRA. 

I responded with a letter dated XX/XX/2021, and it was signed and received certified return receipt. In this letter, I put PRA on notice that they failed to validate the debt of both accounts and completely ignored one of my requests, and I demanded they delete both accounts from my consumer reports. PRA did not respond to my letter of me enforcing my consumer rights, and I have proof that they received the letter on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ). 

The silence by Portfolio Recovery Associates proved admission that they could not validate the alleged debts. I do NOT appreciate being taken advantage of and damaged these years. A final demand for deletion of both accounts on my consumer reports was requested via letter that was dated XX/XX/2021. It was signed and received certified return receipt on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ). 

I am a victim of abusive, deceptive, and unfair practices ( including debt parking ). Portfolio Recovery Associates has explicitly violated my consumer rights. 

For reference and learning my rights, I have found the following violations that PRA has committed : 15 USC 1692b ( 2 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 2 ) 15 USC 1692e ( 2 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692e ( 11 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692g ( a ) 15 USC 1692g ( b )