Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This is in regards to a previous complaint ( XXXX ) that was closed however the investigation and response are not satisfactory. 

To Whom It May Concern : This letter is being sent to you in response to the above-mentioned complaint number and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. I never received any notification of any alleged confirmations or Original notification of any balance due. Once I did see that this was reporting on my credit, I did dispute this ( as you have stated in your response ) because it is not to be reported on my credit. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for 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 offices provide me with competent evidence that I have any legal obligation to pay you. 

With all due respect, anybody can send me an old bill and say I owe them money. 

Please 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 me with copies of any papers that show I agreed to pay what you say I owe : * Identify the original creditor : * Prove the Statute 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 or Agent of Service : If your offices are able to provide proper documentation as requested in the following Declaration, 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 action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. 

If your company fails to respond to this 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Best Regards, XXXX