Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This is what I have asked for : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX. Be advised that this is a second notice 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. 
Your letter claimed that my dispute was Frivolous or Irrelevant but yet you failed to validate any information. An electronic file hardly validates anything, and then once again you send me a copy of a bill for the other account. Why dont you stop the games and admit you do not have a right to collect these alleged debts and that your company did not follow proper procedures to secure the necessary information to grant you the right to collect these alleged debts. 
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. 
Please provide me with the following : ( You need to respond to all 9 Interrogatories ) 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe 3. Provide me with copies of any papers that show I agreed to pay what you say I owe 4. Identify the original creditor 5. Prove the Statute of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with your license numbers and Registered Agent 8. Provide proof you as the debt collector have a bona fide affidavit of assignment for entering into the purported contract between original creditor and debtor 9. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt ). XXXX v XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome ( this does not include a fake letterhead like the one you sent before ) At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX  , XXXX  or XXXX ) this 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 Collection Practices Act Defamation of Character If your offices are able to provide the 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 any listing 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 offices fail 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 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 contact be made by your offices to my home or to 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. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your record ; any information obtained shall be used for that purpose.