Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Response from previous complaint : Portfolio Recovery Associates , LLC ( PRA '' ) investigated the complaint and verified the PRA account ending in XXXX, XXXX and XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the accounts. 
PRA purchased the XXXX XXXX ( XXXX  ) XXXX XXXX account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX  at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$2900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to our customer on or about XX/XX/XXXX. 

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter, have firsthand knowledge and must be notarized. 
Sind this debt is disputed pursuant to the Fair Debt Collection Practices Act you are required to cease all collection of the alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. 


Response from previous complaint : PRA purchased the XXXX XXXX XXXX . ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$1500.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to our customer on or about XX/XX/XXXX. 

I, XXXX XXXX, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter, have firsthand knowledge and must be notarized. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act you are required to cease all collection of the alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. 


Response from previous complaint : PRA purchased the XXXX XXXX XXXX ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$4000.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to our customer on or about XX/XX/XXXX. 

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter, have firsthand knowledge and must be notarized. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act you are required to cease all collection of the alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. 

In addition, it is illegal for debt collectors to bring a lawsuit or collect a debt unless they can verify the ownership and amount of the debt.