Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent this letter to XXXX XXXX XXXX, XXXX back in XX/XX/XXXX in which I never received a response from them please see the tracking number attached with the file. Portfolio Recovery Associates has extremely rude and condescending customer services representatives. I contacted them again on XX/XX/XXXX only to be transfered to a person that says that she is the supervisor ( XXXX XXXX ). Instead of trying to listen to what I had to say she started to be little me and telling me that I had to pay the debt even when I told her that I paid the debt to a previous Collection Company that XXXX XXXX told me that the send the debt too. I even told her I had the letter from XXXX XXXX and the proof of payment. I asked XXXX XXXX XXXX, XXXX to remove the tardeline completly from my credit report by XXXX  they continued to threaten me about the debt, eventhought I do not owe XXXX XXXX XXXX, XXXX anything. I contacted XXXX XXXX themselves and asked why they continue to report this derogatory tradeline even though it was paid they stated that it was a miskate and it should not show as a opened trade on my credit report and they would delete the inaccurate information. 
XXXX XXXX XXXX, XXXX however continues to report negatively on my report over the last 26 months. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX