Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

See Attachment! 
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, XXXX NOTICE TO CEO, CFO and Compliance Legal Department On or around XX/XX/XXXX, I received a phone call from a person stating that they are a representative or an employee for Portfolio Recovery Associates. During that phone call I believed my consumer rights were violated under the Fair Debt Collection Practices Act ( FDCPA ). First, I would like to bring to your attention my rights under the fair debt collection practices act, fair credit reporting act and my right to privacy under the ( Gramm- Leach Bliley Act ) and the Privacy Act of 1974. Pursuant to 15 USC 1692c ( a ) ( 1 ). I did not consent to Portfolio Recovery Associates or any employee of portfolio Recovery Associates to contact me or communicate with me without my express written consent. I also want to bring to your attention that the employee of Portfolio Recovery Associates or representative called me at an inconvenient time and during the phone call I experienced harassment and threats trying to coerce me into paying an alleged debt that is not lawfully verified under oath or sworn statement or testimony as required under law. The false and misleading representation threatening to take any action that can not legally be taken or that is not intended to be taken is a violation of my consumer rights pursuant to 15 USC 1692e ( 5 ). As a federally protected consumer under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and other applicable laws, I demand my rights be respected. I am putting Portfolio Recovery Associates and its representatives on NOTICE requesting more information as it has come to my attention that Portfolio Recovery Associates have a history of illegal debt collection practices and consumer reporting violations according to lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). See Exhibit XXXX and web Link as evidence or proof. https : XXXX SEE EXHIBIT XXXX XXXX XXXX XXXX Therefore, I am requesting the following documents below as I need to see the following documents to lawfully authenticate the alleged debt you are claiming I owe.

1. Chain of ownership.

2. Purchase agreement.

3. Evidence of license to collect in Florida.

4. Full account history which includes Full disclosure of account history, payment history, any interest, and fees from XXXX balance to current amount allegedly owed to portfolio Recovery Associates.

5. Any person with first-hand competent knowledge of the alleged debt who can testify under oath or under penalty of perjury of account ledger in question.

Please note that failure to provide full disclosure of any and all documents requested which is required under law, shall result in a violation of my consumer rights pursuant to 15 USC 1611 ( 1 ) ( 3 ).

I am also aware of potential civil liability violation pursuant to 15 USC 1692k ( a ) ( 1 ). 
Failure to provide these documents within 30 days as required by law or any delay or unverified documents that are not authenticated or verified under oath will prompt further action to protect my consumer rights. 
Sincerely, XXXX XXXX