Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXVALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDITRe : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXXAccount # : XXXXDear XXXX XXXX XXXX, I have not received a validation response to my request for verification on the debt. youhave not sent me designation or proof of ownership of the debt or identification of the originalcreditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPBrecently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, andcredits since a particular date that you may be able to recognize or verify with records ; andThe current amount of the debt as of when the validation notice is provided. None of the above were provided to me.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME ANDORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOFTHE DEBT WAS ASSIGNED BACK TOUNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), youare required to cease and desist from collecting upon the debt ( including contacting a debtorscredit ) until you properly validate and verify the debt amount.Please do not look at my credit or report anything to my credit reports as I dispute I owethis debt to you and that dispute should be stated on my credit report. Do not contact mycredit report.XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX GA XXXXVALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDITRe : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXXAccount # : XXXXDear XXXX XXXX XXXX, I have not received a validation response to my request for verification on the debt. youhave not sent me designation or proof of ownership of the debt or identification of the originalcreditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPBrecently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, andcredits since a particular date that you may be able to recognize or verify with records ; andThe current amount of the debt as of when the validation notice is provided. None of the above were provided to me.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME ANDORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOFTHE DEBT WAS ASSIGNED BACK TOUNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), youare required to cease and desist from collecting upon the debt ( including contacting a debtorscredit ) until you properly validate and verify the debt amount.Please do not look at my credit or report anything to my credit reports as I dispute I owethis debt to you and that dispute should be stated on my credit report. Do not contact mycredit report.

Company response to consumer: Closed with non-monetary relief