Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Follow-up on FDCPA Debt Validation Request Account Number : XXXX from XXXXXXXX XXXX Dear Portfolio Recovery Associates , LLC Representative : Thank you for your response to my debt validation request. However, I believe that the information provided to date does not fully satisfy my request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Comments on the information provided : XXXX. Evidence of Debt : You indicate that XXXX purchased the debt from XXXX Bank. However, I have not been provided with any original documentation to support this claim, such as a copy of the contract signed by me or any document evidencing my consent to the opening and management of this account. I require to see the original contract or credit application with my signature.

2. Debt Details : You have not included a detailed breakdown of the amount claimed in your response. I need a statement showing how interest, fees, additional charges, and payments applied to the balance were calculated from the opening date to the closing date. 
XXXX. Debt Transfer : If XXXX acquired the debt from XXXX XXXX, I request that you include documentation showing the complete chain of custody, i.e. all transfers of the account from the original creditor to XXXX. Without such information, they can not prove their legal right to collect the debt. 
XXXX. Authorization to Collect : You have not provided a copy of the agreement or contract showing that XXXX has the legal authority to act on behalf of the original creditor or the current owner of the debt. Additionally, I request that you attach a copy of your valid debt collection license to operate in my state.

5. Statute of Limitations Determination : The letter does not specify whether the account is within the statute of limitations. Please indicate the exact date of the last activity and the basis on which XXXX determined that this debt is still enforceable under applicable laws. 
Since my initial validation request included these specific items, I reiterate my request to be provided with the requested documentation, pursuant to the FDCPA. Without proper validation, any collection attempts or reporting to the credit bureaus could be considered a violation of the law.

Request : 1. Immediate suspension of any collection attempts until you provide me with the requested documentation.

2. Rectification of my credit reports, if you can not prove the validity of the debt. 
XXXX. Written confirmation that all collection activity has been suspended until you receive full validation of the debt. 
Thank you in advance for your attention to this matter. I expect to receive the requested documents within 30 days of receipt of this letter. If you are unable to provide the documentation, I request that all records of the debt be removed from my credit report permanently.

Company response to consumer: Closed with non-monetary relief