Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I requested a debt validation under XXXX Finance Code 392.202 via certified mail with return receipt to Portfolio Recovery Associates , LLC ( " PRA '' ) about an alleged debt they are attempting to collect from me. This alleged debt has also been reported to all three credit reporting agencies : XXXX, XXXX and XXXX. In my debt validation letter ( which is attached ), I asked PRA to provide me with the following : 1 ) The name and address of the original creditor ; 2 ) The original date of default or non-payment of the debt with original creditor ; 3 ) The date the debt was transferred from the original creditor to the third party debt collector ; 4 ) The original balance ; 5 ) The current balance ; 6 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) ; 7 ) XXXX Surety bond information as required by Sec. 392.101. PRA received my letter on XXXX XXXX, 2015 ( The return receipt from XXXX is attached ). 

A response from PRA dated XXXX XXXX, 2015 was received by me ( this letter is also attached ). PRA, per their response, did not fully comply with my debt validation request under XXXX Finance Code 392.202, as PRA provided me with only a debt verification. PRA did not provide me with 1 ) the address of the original creditor, 2 ) the original date of default or non-payment of the debt with the original creditor and 7 ) XXXX Surety bond information as required by Sec. 392.101. 

PRA, as the debt collector, has failed to properly respond to my debt validation request, and has essentially admitted, per the XXXX Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, I am requesting that the trade lines for this collections item be deleted from all XXXX credit reporting agencies, XXXX, XXXX and XXXX. I am also requesting immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

I submitted a complaint to the XXXX XXXX XXXX, XXXX as well as the XXXX Attorney General 's office stating everything I had detailed above. PRA did not delete this trend line from all XXXX credit reporting agencies and as of XXXX XXXX, 2015 this trend line is still being reported on XXXX, XXXX and XXXX. 

In response to my XXXX complaint, PRA indicated via the XXXX complaint system on XXXX XXXX, 2015, they would be initiating another investigation into my " allegations '' and would send a letter within 30 days in order to resolve the complaint. I received this letter, dated XXXX XXXX, 2015 ( it is also attached ). In this letter, PRA indicated that they reviewed my XXXX complaint and since they " have already responded to a previous dispute substantially the same as [ the ] present dispute, '' their office considers this matter closed. They also stated that " if [ they ] continue to receive subsequent correspondence from [ me ] regarding a dispute that has already been resolved, [ they ] will consider my inquiry answered. " As I stated above, PRA has failed to fully comply with my debt validation request under XXXX Finance Code 392.202, by not including the necessary information in their response letter on XXXX XXXX, 2015, for my initial debt validation request. PRA has failed to comply with my debt validation request yet is still reporting this trend line to the XXXX credit reporting agencies, XXXX, XXXX and XXXX.