Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2025 PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX In regards to : FDCPA Violations Account Number : XXXX Dear Compliance Department, I, XXXX XXXX XXXX a person who is non-adverse, non-belligerent, and non-combatant, have received correspondence from your agency regarding an alleged debt that you claim I owe. Please be informed that I am fully aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

I would like to bring to your attention that your actions, including negligent behavior, willful noncompliance, harassment, and abuse, are in violation of the FDCPA and will not be tolerated. This letter also serves as a cease and desist order. Please stop contacting me regarding this alleged debt and remove any references to it from my credit report as your actions violate federal law.

In accordance with the FDCPA, you are in violation

of both 15 USC 1692 ( c ) Communication in connection with debt collection, and 15 U.S. Code 1692b Acquisition of location information. My credit report shows
a collection from your agency. However, I was never notified of this debt, and I believe the debt may not be accurate. Under the FDCPA, I am entitled to request validation of this debt. Please provide me with the following documentation : A clear explanation of what this alleged account balance is for.

A detailed calculation of the balance, including a complete payment history. 
Documentation proving I agreed to pay this debt, including my signature. 
Any authorization or agreement that grants you the right to collect in my state. 
15 USC 1692 ( c ) Communication in connection with debt collection : ( a ) Communication with the consumer generally : Without prior consent or a court order, debt collectors may not communicate with consumers about the collection of a debt. 
15 U.S. Code 1692b Acquisition of location information : Any debt collector contacting a third party for location information must : Identify themselves and state they are confirming or correcting location information. 
Not state that the consumer owes any debt. 
Not communicate via postcard. 
Not use any language or symbols indicating that the communication pertains to debt collection. 

Pursuant to 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : If a person willfully fails to comply with FDCPA requirements, they are liable to the consumer for damages between {$100.00} and {$1000.00}, or higher amounts if the consumer suffered more significant harm. 
Additionally, you have violated several other provisions of the FDCPA, including : 806 Harassment and abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts Given these violations, you are liable for {$1000.00} for each FDCPA violation. Therefore, I am requesting {$5000.00} for the violations committed. Please ensure this payment is made within 15 days of receiving this notice. I will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. If necessary, I will take further action against PORTFOLIO RECOV ASSOC if you fail to comply with this notice. 
In accordance with the FDCPA, please make the check payable for the amount of {$4000.00} and send it to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation