Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Date : XX/XX/XXXX ATTENTION : XXXX XXXX XXXX, XXXX OF XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX PRAA Group commission file number : XXXX IRS : XXXX Attention : XXXX XXXX XXXX XXXX Bank , as Trustee Corporate Trust Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : PORTFOLIO RECOVERY ASSOCIATES , LLC Account Number # : XXXX Amount : {$640.00} I am writing to dispute an entry in my consumer report concerning an initial notification letter from PORTFOLIO RECOVERY ASSOCIATES , LLC, dated XX/XX/XXXX. The initial notification letter was sent to a non-mailable address, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer reports XXXX, XXXX, and XXXX, XXXX. ( see enclosed ). Per section 623 ( a ) ( 7 ) requires your company to notify me in writing within 30 days of reporting and your company is currently in violation of this FCRA law.

Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. 

I am making this complaint against Portfolio Recovery Associate, LLC and original creditor XXXX XXXX XXXX  for admitting to violating my federally protected rights on numerous occasions and admitting to participating in identity theft, and securities fraud as XXXX XXXX Bank has FAILED to protect me from my personal identifying information being shared in exchanged for money. I have never given my personal identifying information to Portfolio Recovery Associates , LLC and I now revoke any written, non-written, verbal, non-verbal authorization or agreement I may have given XXXX XXXX XXXX  to share, transfer, or sell to Portfolio Recovery Associates , LLC. Being Portfolio Recovery Associates , LLC has my personal information that is in fact identity theft. I will file litigation for identity theft for actual damages caused by Portfolio Recovery Associates , LLC. They will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX, extortion, aggravated identity theft, securities fraud and mail fraud. I have attached a civil lawsuit cover letter, and FTC report for identity theft. I am willing to settle this matter outside of court. However, if you continue to violate my federally protected consumer rights then I must go forth with litigation proceedings. I am also attaching documentation as evidence of your violations Exhibit A consumer report, Exhibit B Non-Mailable Address, Exhibit C : FTC Identity Theft Report and Securities Fraud.

Enclosed : Civil Cover Letter, FTC Report Identity Theft and Securities Fraud, Exhibits A-C.

Regard, XXXX XXXX XXXX, XXXX Reference : 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.