Consumer complaint received 2016-10-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

On XX/XX/XXXX, PRA LLC ( Portfolio Recovery Associates ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XX/XX/XXXX and received XX/XX/XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

PRA LLC failed to provide any validation. 

PRA LLC proceeded with further collection activity as evidenced by their correspondence of XX/XX/XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, PRA LLC proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, PRA LLC did violate the FDCPA and PRA LLC did violate the XX/XX/XXXX Consent Order which PRA LLC voluntarily entered into with CFPB. 


On XX/XX/XXXX, PRA LLC did author correspondence to me, providing me copies of XXXX billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XX/XX/XXXX, IN A SEPARATE WRITTEN COMMUNICATION, PRA LLC also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XX/XX/XXXX were received XX/XX/XXXX. 

XXXX DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XX/XX/XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XX/XX/XXXX would not have been received by the alleged debtor as of XX/XX/XXXX. 

In that PRA LLC has elected to respond and act as if I am 100 % To Blame for all of the failures of PRA LLC .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against PRA LLC and any other party who may contact me or attempt to collect this debt based on PRA LLCs failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to PRA LLC will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.