Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, Portfolio Recovery Associates , LLC, Portfolio Recovery Associates , Inc., PRA, PRA LLC, known as PRAA on XXXX ), PRA Group , Inc, XXXX, XXXX, PRA Receivables Management , LLC, PRA Holding I, LLC. PRA Group , Inc. under XXXX XXXX XXXX and XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Collection account. {$20000.00} past due as of XX/XX/2023. 

This is an official written notice to you in response to a mark made on my XXXX, XXXX and XXXX credit reports. Be advised, this is a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that the record you placed on my credit report is disputed and validation is requested.

This is NOT a request fro " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section, I respectfully request that your office provide me with the competent evidence that to validate any legal obligation to pay this UNVERIFIED account.

Provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide a verification or copy of any judgement, if applicable Identify the original creditor Prove the STATUE OF LIMITATIONS has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute FRAUD under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collections Practices Act Defamation of Character If your office ( s ) are able to provide all the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any actions is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be INACCURATE or INVALIDATED or verifying an account as accurate when in fact there is no provided proof that it is.

If your office ( s ) fail to respond to this written validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone, email, fax, text contact be made by your office ( s ) to my home, family, friends nor employer. If your offices attempt communication with me, including but not limited to computer generated correspondences sen via any third party, it will be considered continued harrassment.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose. 

HONORABLE XX/XX/XXXX