Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This complaint is directly related to an open complaint, against the same company, Portfolio Recovery Associates filed on XX/XX/XXXX case # XXXX. This mentioned open complaint is part of several other complaints against the same company, Portfolio Recovery Associates, acting on behalf as a 3rd party from another collection company, XXXX. This issue has been ongoing since XX/XX/XXXX 1st with XXXX directly related to this same alleged debt. Letters requesting documents specifically ask for, ie purchase receipt, agreement signed contract, granting authority to collect any alleged debt and several other very important documents that show legal authority and authenticity of such alleged debt. Including in he envelope was a demand for a cease and desist all communication with me as to this alleged debt other then the legal requested documents. These letters were sent certified mail, delivery confirmation with signature required on XX/XX/XXXX and received by XXXX on XX/XX/XXXX and XXXX XXXX. On XX/XX/XXXX another complaint was filed against an agent of XXXX, Portfolio Recovery Associates was now contacting me on behalf of XXXX to this same alleged debt, in violation of my cease and desist letter that specifically includes agents of XXXX from contacting me as well to this alleged debt. Its obvious that XXXX as well as Portfolio Recovery Associates are not abiding by the laws under the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ). As Portfolio Recovery associates has already been contacted via three prior complaints listed in the attached documents, Portfolio Recovery Associates are continuing to harass, trying to intimidate and cause me XXXX  and stress as I have to file additional complaints of violation of my cease and desist demand and after a investigation by the credit bureau of this, has removed this collection company, XXXX from my credit report after an investigation with documents submitted to them. Now portfolio Recovery Associates has sent me a recent letter with identical information as to this alleged debt, trying to validate it with one or two old statements from the original creditor, XXXX XXXX. To date, I have not received the additional documentation and validation information requested in my letters sent on XX/XX/XXXX and proof of delivery to XXXX for such documentation they received this on XX/XX/XXXX, XXXX Since this, no response to my request for this additional debt verification documents specifically requested in the letter has been received other then old statements of having an accept XXXX XXXX  which doesnt provide the customer agreement and settlement documents they apparently do not want to provide. Now, this complaint is about receiving this recent letter from Portfolio Recovery Associates, who AGAIN is violating my rights of the cease and desist communication with me as protection under the Federal Fair Debt Collection Act stated above but not has placed a collection notification on my credit report of this alleged debt and it being seen on my credit report under collection. This is being done illegally and out of spite as both XXXX and Portfolio Recovery Associates are not damaging my credit and fico score. Im demanding that Portfolio Recovery Associates immediately remove this collection notification on my credit report which was already investigated by the credit bureau and removed with evidence provided to them to remove such false and misleading statements that were placed on my credit report back in XX/XX/XXXX. This investigation was done and completed on XX/XX/XXXX under investigation case # XXXX as provided in attached pic documents. This ongoing harassment and intimidation tactics by Portfolio Recovery Associates has been ongoing, with several complaints filed but still continues to this date. This is in direct violation of the FDRA and explicitly against my rights. Portfolio Recovery Associates has now caused me great stress, XXXX  and XXXX over ONGOING filing of these complaints. I have already filed another complaint with the credit bureaus again and supplied them with all past complaints and communication letters to this company, Portfolio recovery associates ongoing and now repeated harassment which now includes hurting my personal credit report illegally after attempts to demand debt validation documents which both XXXX and Portfolio recovery associates refuse to send nor do they have. This is fraud and fraudulent conduct by portfolio recovery associates and now ask the department of consumer affairs to forward this complaint to the appropriate authorities for investigation and violation of my rights but against Federal laws that protect consumers against such fraudulent behavior

Company response to consumer: Closed with explanation