Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Please be apprised that Portfolio Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Portfolio Recovery/ XXXX XXXX proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent.

You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX XXXX XXXX & both bureaus are reporting false information on my credit report. 

You are in violation continuing to report. 

I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report.

Company response to consumer: Closed with explanation