Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding an unfamiliar collection account that has recently appeared on my credit report. I do not recognize this debt and believe it may be reported in error or could be a case of fraud. 
Account : XXXX XXXX XXXX XXXXXXXX : XXXX I have no knowledge of this alleged debt, nor have I received any communication from the collection agency or original creditor regarding it. I believe this account may be reported inaccurately, possibly due to an error, mistaken identity, or fraudulent activity. According to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], I am entitled to request validation of this debt from the collection agency. They must provide me with written documentation verifying that this debt is valid and belongs to me. To date, I have not received any such validation.

Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I am protected from inaccurate or erroneous information being reported on my credit report. I request that this collection account be fully investigated and removed if found to be inaccurate or unverifiable. Actions Requested : I am formally requesting the following : I am writing to file a formal complaint regarding an unfamiliar collection account that has recently appeared on my credit report. I do not recognize this debt and believe it may be reported in error or could be a case of fraud. I have no knowledge of this alleged debt, nor have I received any communication from the collection agency or original creditor regarding it. I believe this account may be reported inaccurately, possibly due to an error, mistaken identity, or fraudulent activity. According to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ], I am entitled to request validation of this debt from the collection agency. They must provide me with written documentation verifying that this debt is valid and belongs to me. To date, I have not received any such validation. Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I am protected from inaccurate or erroneous information being reported on my credit report. I request that this collection account be fully investigated and removed if found to be inaccurate or unverifiable. Actions Requested : I am formally requesting the following : 1. The immediate investigation and validation of this debt by the collection agency, including a full explanation and supporting documentation proving that this debt belongs to me.

2. The removal of this collection account from my credit report if the debt can not be verified or is found to be inaccurate.

3. Compliance with both the FDCPA and FCRA in handling this dispute, ensuring my rights as a consumer are fully protected. Relevant Consumer Protection Laws : Fair Debt Collection Practices Act ( FDCPA ) : Requires debt collectors to provide consumers with validation of any debt upon request and prohibits false, misleading, or unfair practices by debt collectors. Fair Credit Reporting Act ( FCRA ) : Protects consumers by ensuring the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and allows for disputes and corrections of inaccuracies. I have attached relevant documentation, including a copy of my credit report showing the disputed collection account. I request that the Consumer Financial Protection Bureau assist in resolving this issue promptly. Thank you for your assistance in addressing this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation