Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
FOR THE 2ND TIME, AND MORE THAN 30 DAYS HAVING EXPIRED SINCE THE FIRST REQUEST, THE COLLECTION AGENCIES LISTED BELOW HAVE FAILED TO PROVIDE VALIDATION OF THE DEBTS THEY ARE ATTEMPTING TO COLLECT FROM ME.

I HAVE SPECIFICALLY REQUESTED, AS IT IS MY CONSUMER RIGHT TO DO SO PER 1692G, VALIDATION DOCUMENTS BE SENT TO ME OR TO IMMEDIATELY REMOVE THE DEBT WITHOUT IT BEING VALIDATED AS PER MY REQUEST.

THE FOLLOWING COMPANIES CONTINUE TO REPORT UNVALIDATED INFORMATION IN VIOLATION OF CONSUMER LAWS, AND ATTEMPT TO COLLECT DEBTS FROM ME WITHOUT PROPER VALIDATION : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SINCE MORE THAN 30 DAYS TIME HAS EXPIRED AND THIS IS MY 2ND REQUEST, I WILL BE FORCED NEXT TO ENTER ARBITRATION WITH THE ABOVE LISTED COMPANIES TO RECEIVE COOPERATION AND POTENTIAL COMPENSATION.

SEE ATTACHED " VALIDATION OF DEBT REQUEST '' SENT TO EACH OF THE COMPANIES LISTED. 
************************************************************************************* TO COLLECTION AGENCIES- VALIDATION OF DEBT REQUEST XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : VALIDATION OF DEBT FCRA 1692G I AM WRITING TO FORMALLY REQUEST VALIDATION OF DEBTS LISTED BELOW AS PER MY CONSUMER RIGHTS FCRA 1692G. YOU ARE OBLIGATED TO ENSURE MAXIMUM ACCURACY OF DEBTS BEING REPORTED AND MAXIMUM ASSURANCE THAT THE DEBTS BELONG TO ME. 

THE FOLLOWING DEBTS ARE LISTED ON MY CREDIT REPORTS WITH XXXX, XXXX, XXXX, AND XXXX CREDIT BUREAUS, AND i AM EXERCISING MY RIGHTS TO MAKE SURE THESE DEBTS ARE VALID AND ACCURATE ; ARE MY DEBTS, AND THE PROPER PAPERWORK CONFIRMS SUCH. 

PLEASE PROVIDE ME WITH THE FOLLOWING FORMS OF VALIDATION IN WRITTEN DOCUMENT FORM FOR EACH OF THE DEBTS LISTED : ORIGINAL CONTRACT WITH MY SIGNATURE AND ORIGINAL AMOUNT OWED ASSIGNMENT CONTRACT PURCHASE AGREEMENT LICENSE THAT YOU ARE ALLOWED TO COLLECT DEBTS IN THE STATE OF NEVADA OPT OUT OF 3RD PARTY NON AFFILIATE REPORTING WITH MY SIGNATURE. 

IF UNABLE TO VALIDATE THESE 3RD PARTY DEBTS AS REQUESTED AND WITHIN THE TIME ALLOTTED BY FCRA CONSUMER LAWS, PLEASE IMMEDIATELY REMOVE THEM FROM REPORTING ON THE CREDIT REPORTS I HAVE IDENTIFIED ABOVE. 

PLEASE SEND THE REQUESTED DOCUMENTATION TO ME AT MY XXXX XXXX XXXX LISTED ABOVE. THIS BEING MY XXXX REQUEST FOR VALIDATION OF DEBT FROM THE COLLECTION AGENCIES ADDRESSED, AND IT BEING PAST 30 DAYS SINCE MY FIRST REQUEST FOR VALIDATION AND THE ACCOUNTS STILL REMAINING WITHOUT BEING VALIDATED, I WILL NEXT BE FORCED TO ENTER ARBITRATION WITH YOUR COMPANY FOR FURTHER COOPERATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation