Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email XXXX [ XXXX ] [ Date Agu XXXX ] PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and Failure to Provide Validation Information Dear Sir/Madam, I am writing this letter to bring to your attention the significant violations of my consumer rights by your collection agency. Despite the clear mandates outlined in 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), you have failed to provide the necessary validation information regarding the alleged debt, yet you have still taken the unjustified action of placing a collection on my consumer report. This letter is to formally dispute the account and to assert that you are in clear violation of my consumer rights.

Firstly, I demand an immediate explanation as to why you have not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). This regulation explicitly states that a collection agency must provide validation information upon request. As a consumer, I have the legal right to verify the legitimacy of any debt in question before any further action is taken.

Your failure to comply with this regulation raises serious concerns about the accuracy and legitimacy of the debt you are attempting to collect.

Furthermore, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute any account within thirty days of receiving a notice. However, I have not been given the chance to exercise this right. By failing to provide me with such an opportunity, you have violated my consumer rights and effectively hindered my ability to present any evidence or raise potential issues regarding the debt. 
In addition to these violations, it has come to my attention that your collection agency has employed false misleading, misrepresentation, and deceptive means, which further exacerbates the disregard for my consumer rights. Such practices are strictly prohibited by law and undermine the trust that consumers place in collection agencies to conduct fair and honest practices. 
I must also emphasize that you have no authority to furnish any account to a consumer reporting agency without providing all the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( a ). Therefore, I dispute any and all debtsclaimed by your agency and hereby revoke any rights you may have to communicate with me through email, text, or calls. 
To address the matter fully, I request that you provide the purchase agreement between PORTFOLIO RECOV ASSOC and XXXX XXXX XXXX, which serves as proof of your authority to collect this alleged debt. Furthermore, I demand that you furnish proof of your license and bonding as required by law. Failure to comply with this request will further demonstrate your disregard for the legal obligations and consumer rights. 
Please be aware that any continued collection efforts without addressing these concerns and violations will be taken as a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to take legal action to protect my rights. 
I expect a prompt response to this matter within [ number of days, e.g., 14 days ] from the date of this letter. Failure to do so will force me to escalate this complaint to the appropriate regulatory authorities and seek legal remedies. Please provide me with written confirmation of your receipt and acknowledgment of this complaint. 
Thank you for your immediate attention to this matter and for ensuring that my consumer rights are fully upheld. 
Sincerely, [ XXXX XXXX