Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
b"IF YOU RECIEVE A COLLECTION FROM A LAWYER \nRe: Validation of Debt and Cease and Desist Request  [Account Number or Debt \nReference Number]\nDear Sir or Madam,\nI am writing in response to your recent communication regarding the alleged debt \nreferenced above. Please be advised that I dispute the validity of the debt in its entirety. \nFurther, I request the full verification of this debt in accordance with 15 U.S.C.  1692g(b)\nof the Fair Debt Collection Practices Act (FDCPA). This includes a request for a copy of \nthe original contract or agreement that establishes my legal obligation to pay the debt, \nwhich must be signed by all parties involved, including the original creditor.\nPlease note that, under 15 U.S.C.  1692g(b), you are required to provide validation of the \ndebt within 30 days of my request. In the absence of such validation, I request that all \ncollection activity cease immediately. This includes ceasing all communications with me \nand any reporting to consumer credit agencies. I also request that you promptly initiate the \nremoval of any prior reporting made to any consumer reporting agencies regarding this \nalleged debt.\nIn addition, I would like to bring your attention to 15 U.S.C.  1692e(3), which prohibits the \nuse of false or misleading representations in the collection of a debt. Specifically, a debt \ncollector may not falsely represent or imply that any individual is an attorney or that \nany communication is from an attorney. YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX \nhave no legal right to send any communication to me without first providing the necessary \ndocumentation to verify the alleged debt. Therefore, I demand that you cease and desist \nall communication with me, including any attempts to contact me by mail, phone, or any \nother means.\nAdditionally, I have identified potential violations under the following provisions of the \nFDCPA:\n 15 U.S.C.  1692b(5)  Failure to properly identify the debt.\n 15 U.S.C.  1692e(2)(A)  False representations regarding the amount of the debt.\n 15 U.S.C.  1692e(3)  Misleading or deceptive representation regarding the \nattorney status or legal action.\n 15 U.S.C.  1692e(6)(B)  Misleading representation regarding the legal status of the \ndebt.\n 15 U.S.C.  1692e(9)  False representations concerning the legal rights of the \ncreditor or the debt collector.\n 15 U.S.C.  1692e(10)  Misleading representations of the consequences of non\x02payment.\n 15 U.S.C.  1692e(11)  Failure to inform the consumer that the communication is \nfrom a debt collector.\nPlease be advised that this letter is being sent to the Consumer Financial Protection \nBureau (CFPB) as evidence that you are potentially in violation of consumer protection \nlaws. Should you fail to comply with my request for proper validation of the debt, I will \nconsider pursuing legal remedies and further action, including filing complaints with the \nCFPB and other regulatory agencies, and seeking damages for your failure to comply with \nthe FDCPA under 15 U.S.C.  1692k.\nAs a litigious consumer, I will not hesitate to take legal action for any violations of my rights \nunder this law.\nTo proceed with proper validation, please provide the following documentation:\n1. The name and address of the original creditor and any subsequent creditors or \nassignees.\n2. Verification of the debt amount you are attempting to collect, including itemized \ncharges.\n3. Any assignment or proof of ownership of the debt, including the original account \nnumber and the debtor's name.\n4. Securitization or sale documentation, if applicable, showing that you have the \nlegal right to collect this debt.\n5. All agreements, contracts, or statements related to the alleged debt.\n6. Insurance claims, if any, that have been made on the debt.\n7. Judgments, if any, related to this account.\n8. The bonding agent for your collection company, should legal action become \nnecessary.\n9. Proof of proper securitization of the debt, including all relevant documentation \nshowing that the debt has been legally securitized and that you or your client have \nthe right to enforce this debt.\nPlease ensure that the following information is included:\n Name and address of the alleged creditor.\n The alleged account number.\n The alleged debt amount.\n Date this alleged debt became payable.\n Date of the original charge-off or delinquency.\n Whether the debt was assigned to a debt collector or purchased.\n The commission rate for any collection efforts that may be successful.\nIf you fail to provide the necessary documentation, I demand that all references to this \ndebt be deleted from my credit report, and a copy of the deletion request should be sent \nto me immediately. I expect a response within 30 calendar days from the date of receipt of \nthis letter.\nIf you do not comply with this request, I will consider all actions taken by you to collect this \ndebt, including any negative credit reporting, as damages under 15 U.S.C.  1692k, and I \nwill take appropriate legal action.\nThank you for your prompt attention to this matter.\nSincerely"

Company response to consumer: Closed with explanation