Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This was sent months ago regarding the fact that this company was unable to properly verify the alleged debt. I have continued to dispute it, but it still shows up on my credit report. 


XXXX XX/XX/2020 Portfolio Recovery Associates, LLC Office of Complaints & Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CC : XXXX XXXX State of California Department of Justice XXXX. XXXX  XXXX XXXX, CA XXXX Re : XXXX XXXX XXXX XXXX : XXXX To whom it may concern : I am writing in response to the XX/XX/XXXX letter written by XXXX XXXX, care of Portfolio Recovery Associates, LLC. ( referred to herewith as Portfolio Recovery Associates , Inc. or PRA, LLC ) PRA, LLC and sent to XXXX XXXX of the State of California Department of Justice regarding the complaint and dispute I sent to their department in XX/XX/2020. 

The introduction letter, as well as the alleged proof of debt included all have incorrect mailing addresses. PRA, LLC. has thus failed to validate any alleged debts owned by their company. I continue to deny any knowledge or responsibility of these alleged debts, and I am writing to notify PRA, LLC of their inability to validate any alleged debts and to agree to my demands as outlined in this letter. 

In the introduction letter, XXXX wrote three times that I live at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA ( please see attachments ). That address is incorrect. 

The information sent regarding XXXX XXXX XXXX ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see attachments ). That address is also incorrect. 

The information sent regarding XXXX XXXX XXXX  ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see attachments ). That address is incorrect. 

The information sent regarding XXXX  XXXX XXXX  ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see the Attachment 4, in which I circled each mention of that address ). That address is incorrect. 

Please also refer to my attached utility bill as proof that PRA, LLC failed to validate the alleged debts. 
By proving in their own correspondence that they have at least two incorrect contact addresses, Portfolio Recovery Associates has not shown adequate or accurate validation of the debt nor do their stated records show adequate or accurate proof of their attempts to contact me by mail. 

This letter serves as my formal dispute of the inaccurate validation Portfolio Recovery Associates provided. Portfolio Recovery Associates is hereby notified that I expect them to take the following actions and provide written proof that they have both agreed to take these actions and have, in fact, taken those actions. 

If PRA, LLC does not provide written agreement to take all of the following actions and/or if PRA, LLC does not take all of the following actions according to the demands listed below, I will have no choice but to obtain legal counsel to seek monetary reparations for the emotional, financial, and physical damages I have suffered as a result of PRA, LLCs inaccurate information, their subsequent illegal and harassing behavior, and their inability to validate the alleged debt. 


Here are the actions I am demanding that PRA, LLC. take to avoid costly litigation as a result of PRA, LLCs inability to validate the alleged debts : PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX  ), and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt.

PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  XXXX account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to the terms above in order for legal action to be suspended pending adequate and accurate fulfillment of the terms above and below on the part of PRA, LLC. 

I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.

PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt.

PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX  XXXX, and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ). 

PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to the terms above in order for legal action to be suspended pending adequate and accurate fulfillment of the terms above and below on the part of PRA, LLC. 

I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 


PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.

PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt.

PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX  XXXX, and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX. 

PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt. 

PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt.

PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with XXXX XXXX XXXX  ( account number XXXX. 

PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( XXXX ). This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to all of the the terms above in writing in order to avoid further legal action. 

I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 

PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX  ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. 


PRA, LLC understands that the above demands apply to any and all owned by PRA, LLC with the original owners XXXX XXXX XXXX, XXXX XXXX XXXX, or any other companies from whom they have purchased debts allegedly attributed to me, due to PRA, LLCs inability to validate the alleged debts.

PRA, LLC understands that the above agreement is binding, and precludes any further activity or communications regarding the alleged debts owned by PRA, LLC in my name due to PRA, LLCs inability to validate any of the alleged debts. The only exceptions are listed above. Further activity on these accounts after PRA, LLC has provided written agreement to the above terms and after they have successfully completed the demands as requested, is not acceptable and will result in litigation seeking damages for the suffering inflicted on me by PRA, LLC.

Once PRA, LLC provides written agreement to these terms, and once they have taken the actions above exactly as requested, I am willing to provide a written statement confirming that I will not pursue litigation against PRA, LLC regarding the alleged debts that PRA, LLC was unable to validate. If any part of the agreement is not performed strictly as described above, I will not provide any written statement, and I will pursue litigation against PRA, LLC in regards to the alleged debts that PRA, LLC was unable to validate. 


The terms of this offer will expire on the XXXX of XXXX, 2020. I look forward to your prompt and positive response. 


Sincerely,