Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Demand for Immediate Deletion of Debt Reporting and Notice of Intent to Sue Dear Portfolio Recovery Associates , LLC, I am writing to address significant issues related to your attempt to validate the alleged debt with account number ending in XXXX. After reviewing your response, I have identified several critical omissions in the documentation provided, rendering your claim insufficient under the Fair Debt Collection Practices Act ( FDCPA ). The following information was either missing or inadequate : 1. Original Contract or Agreement You have failed to provide a copy of the original contract or agreement bearing my signature, which would substantiate my agreement to the alleged debt. Without this, I can not verify any obligation to repay the claimed amount. 

2. Complete Payment History The provided documentation does not include a comprehensive payment history from the original creditor, XXXXXXXX XXXX XXXX, which would detail account activity and substantiate the balance. This omission violates the FDCPA requirement to provide accurate records for debt validation. 

3. Itemized Statement of the Debt There is no itemized breakdown of the balance, including principal, interest, fees, or other charges. Such information is critical to determining the accuracy of the debt and any additional charges you may be attempting to claim. 

4. Proof of Licensure to Collect in Texas Your validation lacks evidence that Portfolio Recovery Associates holds the appropriate licensure or authorization to collect debts in Texas, as required by state law. Until such proof is provided, I have no reason to believe that your agency has the legal right to pursue this debt. 

5. Previous Lawsuit Dismissal You previously sued me regarding this same debt, and the court dismissed the case due to your failure to appear. Your ongoing attempts to report this debt, despite the courts dismissal, may constitute bad faith and harassment, which are actionable under the FDCPA. 

Demand for Immediate Action I am formally requesting that you : Cease all collection activities related to this debt, including reporting it to credit bureaus. 
Immediately remove any negative information related to this debt from my credit reports, as you have failed to provide sufficient validation and documentation. 
Notice of Intent to Sue If Portfolio Recovery Associates fails to comply with these requests within 30 days, I will initiate legal proceedings under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). This legal action may include claims for statutory and actual damages for continued violations of my rights, as well as any attorney fees incurred. 

Please consider this letter your final notice to resolve this matter amicably by removing all references to this debt from my credit report. I trust that you will comply with your legal obligations promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief