Consumer complaint received 2024-08-28
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)

**Subject : Urgent Complaint and Request for Proof of Debt Verification** Dear Portfolio Recovery Associates , I am writing to formally address multiple concerns regarding the handling of my requests for debt verification and related communications from your agency. Despite reporting the debt to credit bureaus, your obligation under the Fair Debt Collection Practices Act ( FDCPA ) remains to provide a detailed, itemized list of the debt upon my request. This obligation exists regardless of any reporting to credit bureaus.

**1. Failure to Provide Adequate Debt Verification : ** Your recent practice of closing cases by providing only the last four digits of my Social Security number and the account number, especially in the context of identity theft, does not fulfill the FDCPA 's requirement for proper debt verification. Under Section 809 ( a ) of the FDCPA, when a consumer requests debt validation, you must provide a comprehensive verification that includes : - The amount of the debt. 
- The name of the creditor to whom the debt is owed. 
- A detailed itemization of the debt, including a breakdown of charges, payments, and the original creditor. 

**2. Discrepancy Regarding Receipt of Debt Verification Letter : ** In XXXX, you stated that I received a debt verification letter from your office. I contest this claim and request proof of this communication. Please provide the following : - **Proof of Delivery : ** Evidence that the debt verification letter was sent to me, including a copy of the letter, the method of delivery, and any tracking or confirmation details.

- **Confirmation of Receipt : ** Documentation that verifies I received the letter, such as a delivery confirmation or signed receipt, if applicable.

I have not received any such communication, and I insist on receiving verifiable proof of delivery as you have claimed.

**3. New Jersey Law on Recording and Proof Requirements : ** Additionally, I wish to address a concern related to the recording and proof of communication under New Jersey law. New Jersey law requires that debt collectors provide proof of any claim made and adhere to specific standards for communication. Notably : - **N.J. Stat. 45:18-4** - This statute mandates that debt collectors must furnish documentation validating the debt and can not rely solely on partial information or unverifiable claims.

Furthermore, New Jersey 's laws on communication and proof also encompass requirements for recording conversations : - **N.J. Stat. 2A:156A-3** - This law states that it is illegal to record or use communications without proper consent and proof, thus reinforcing the necessity for verifiable and accurate documentation in all debt collection communications.

**4. Previous Legal Precedents : ** To further emphasize the gravity of your non-compliance, I reference several cases where similar failures were adjudicated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn New Jersey, specific cases reinforcing the need for accurate debt verification include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you respond promptly with the requested proof of the XXXX debt verification letter and a full, itemized statement of the debt. Should you fail to comply, I will be forced to pursue all available legal remedies to enforce my rights. 

Thank you for your immediate attention to this matter.