Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Certified Mail # XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : DEMAND for Validation of Debt Dear Portfolio Recovery Associates, I appreciate your time taken to investigate my dispute ( XXXX ) ; however, I would like to bring your attention to serious concerns regarding the validity of the collection efforts related to this account. The same account is referenced in your dunning letter dated [ XX/XX/year> ]. The documentation sent late XXXX was received without XXXX and I am writing to express my continued concern regarding the lack of sufficient documentation provided to substantiate your claims of an alleged debt owed. As I have stated previously, I have NO contract with your company, and the auto generated billing statements and letters provided do NOT constitute as evidence that any debt is owed to Portfolio Recovery. 
Firstly, I would like to point out that your companys dunning letter was sent to an address in a state where I do NOT reside. As such, I NEVER received any notifications from Portfolio Recovery Associates regarding this alleged debt prior to defaming my character. PRA purchased an account with my private information from XXXX. Mind you, the address XXXX provided is NOT the address PRA claims to have properly notified the consumer of the alleged debt and/or sent notices as required by law as they claimed. WHY was the XXXX letter sent to an Arizona address IF Portfolio Recovery purchased a VALID account from XXXX and despite several attempts to dispute the validity of said debt it continues to come back valid and verified with NO solid VERIFICATION. As previously requested, please provide the Bill of Sale or Assignment Contract with signatures to validate this account. 
In addition, please provide the document I signed allowing me to OPT OUT of sharing my private information or the disclosure I signed clearly explaining my option to opt out. How did PRA get my OUTDATED private information when I NEVER gave ANYONE written or verbal permission to SHARE my private information.

The lack of proper and verified personal information to locate me raises significant doubts about the legitimacy of your claims and the validity of this debt. As you are aware, the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must provide accurate and truthful information when attempting to collect a debt. By sending correspondence to an incorrect address, you have not only failed to meet this standard but have willfully continued to violate my rights as a consumer. 
Furthermore, I have reviewed my credit report and found that Portfolio Recovery Associates REVIEWED my credit report with IMPERMISSIBLE PURPOSE on [ XX/XX/year> ] and continues to harass me by reporting inaccurate and unverified information regarding this alleged debt, which has negatively impacted my credit score and overall financial standing. Due to never receiving your dunning letter I did repeatedly dispute the account with the credit reporting agencies. Multiple times the account came back validated and verified by PRA with NO additional proof of the method of validation used. I have yet to be provided ANY documentation to validate this account, despite my several attempts to do so and had I been given a VALID opportunity I would not have had to come to the CFPB with this SECOND rational complaint to protect my rights. XX/XX/year>, was MY first knowledge that ANY debt was even in question and as of XX/XX/year> the alleged debt remains INVALIDATED and reporting negatively to XXXX, XXXX, XXXX. Given these circumstances, I demand that you cease all collection efforts related to this account immediately and remove any inaccurate information reported to the credit reporting agencies. 
Additionally, I order that you provide me with the Cancelation of Debt from the original creditor and any documentation that verifies the existence of this debt and your legal right to collect it as previously requested. ( see initial complaint # XXXX XXXX XXXX XXXX 
Please consider this letter as my final attempt to dispute of the validity of the debt in question. I expect a prompt response from your office addressing these concerns. Should you fail to provide satisfactory evidence of the debt 's validity, I will be compelled to escalate this matter to the appropriate regulatory authorities and consider further actions to protect my rights. In the meantime, you willfully ignored my claim for a fair resolution which was ; DELETE the account from my credit report and {$1000.00} for violating FDCPA ; ( 1 ) failure to respond to disputes; neglecting to investigate and correct inaccuracies after a consumer disputes information on their report ( 2 ) furnishing information without verification ; providing information to reporting agencies without verifying its accuracy when requested ( 3 ) ignoring disputes; failing to investigate and correct errors after a consumer disputes information on their report ( 4 ) incomplete investigation of disputes ; not conducting a reasonable investigation into the accuracy of disputed information. 
Now, I further demand full remedy for the repeated VIOLATIONS and negligent damages incurred with PRA. DELETE the account immediately and in regard to 15 USC 1692k- Civil liability, it is ordered that Portfolio Recovery Associates XXXX $ XXXX per VIOLATION under the FDCPA ; 15 USC 1681b Permissible purposes of consumer reports- Portfolio Recovery Associates is to immediately ceases any further unauthorized access to my credit report in the future and pay statutory damages of {$1000.00} for the UNAUTHORIZED inquiry on [ XX/XX/year> ] a direct violation of my rights to privacy. [ statutory damages owed {$1000.00} ] 15 USC 1692d Harassment or abuse- PRA continues to harass me with their INVALID claim of any debt being owed and are further abusing their UNFAIR debt collection practices. NOT only did they fail to properly notify me of an alleged debt, but they are also persistent that an alleged debt is owed with NO proper validation. The alleged debt remains INVALIDATED as of XX/XX/year> despite my initial complaint made XX/XX/year> requesting proper documentation to validate the alleged account. [ statutory damages owed {$2000.00} ] 15 USC 1692f Unfair Practices- PRA did not properly notify me of the alleged debt and proceeded to REPORT this INACCURATE account and continuously attempts to collect on a debt that is UNVERIFIABLE. [ statutory damages owed {$3000.00} ] 15 USC 1692g- Validation of Debts, PRA failed to provide required notices prior to defaming my character and reporting INACCURATE and UNVERIFIED information to the Credit Reporting Agencies XXXX XXXX letter date XX/XX/year> was NEVER properly received because PRA sent it to an OUTDATED address in a DIFFERENT state. [ statutory damages owed {$4000.00} ] Portfolio Recovery Associates constant disregard for the law should have severe consequences and a follow up action is commanded. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of ACTION to address your companys **unfair debt collection practices**. Thank you for your attention to this matter. I look forward to your prompt reply. 
Sincerely, UCC 1-308 ALL RIGHTS RESERVED XXXX XXXX

Company response to consumer: Closed with explanation