Consumer complaint received 2024-06-05 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: DE

Complaint narrative:
FINAL NOTICE REGARDING POTENTIAL LEGAL ACTION Validation of Debt Request Pursuant to 15 USC 1692g Please be advised, this letter is not a refusal to pay but a formal notice under the Fair Debt Collection Practices Act, 15 USC 1692g, indicating that your claim is disputed and validation is requested.

This is not a request for " verification '' or proof of my mailing address but a request for VALIDATION under the specified Title and Section. I respectfully ask your office to provide competent evidence of any legal obligation I may have to pay you. 

Additionally, be informed that if your office has reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such action may constitute fraud under both Federal and State laws. 

If any negative mark appears on my credit reports from your company or the entity you represent, I will pursue legal action for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character ( per XXXX ). 

If your office can provide the requested documentation, I require at least 30 days to review this information, during which time all collection activities must cease and desist. During this validation period, if any action is taken that may negatively impact my credit reports, I will consult with legal counsel regarding potential litigation. This includes the listing of any information to a credit reporting agency that may be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days of receipt, all references to this account must be deleted from my credit file, and a copy of the deletion request must be sent to me immediately. Your claim can not and will not be considered if any portion of this form is incomplete or if requested documents are not provided. This is a request for validation pursuant to the Fair Debt Collection Practices Act. 

Please allow XXXX calendar days for processing after I receive this information. 

Sincerely, The Following information is required. Please fill out the form below in its entirety. 

Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants YOU the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?

Yes No Have any Judgements been obtained by any creditor regarding this account?

Yes No Please provide me the name and address of the bonding agent for YOU, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.

Thank you!

Company response to consumer: Closed with non-monetary relief