Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
According to 15 USC 1692g Ask for debt Validation XXXX. I want you to send me a detailed list of the history of payments made by me on this account XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor XXXX. I am asking to see has there been any insurance claim found on this debt XXXX. I want prof You have the chain of title to collect on this debt Im about to sue XXXX for statutory damages and actual damages for reporting incorrectly to my credit reports. filling with the IRS for fraud. 


REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants PORTFOLIO RECOVERY the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a Contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor wherein agreed to pay Creditor. 
All statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
XXXX XXXX XXXX XXXX XXXX XXXX Have any judgments been obtained by any creditor regarding this account? 
XXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and address of the bonding agent for ______________ in case legal action becomes necessary : _____________________________ _____________________________ _____________________________ Authorized Signature of Creditor ______________________________ Date : ______________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act. 

Please allow 30 days for processing after I receive this information. 



CEASE AND DESIST ADDENDUM You are not eligible and do not have the right to collect in Texas You need to cease and desist all collects immediately and delete from all credit bureaus. 


I, XXXX XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), and I would also like to request, In Writing, that no further telephone contact be made by your offices to my home or to my place of employment in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( XXXX ) party to contact me in reference to this collection. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. 

IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. AND I Will BE FORCED TO TAKE LEGAL ACTION. 

Regards, XXXX XXXX XXXX DEBT VALIDATION LETTER XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX Dear PORTFOLIO RECOVERY, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is NOT a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and Validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper Documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any oof my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation Request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for Validation. 
Name and address of alleged Creditor : Name on file of Alleged Debtor : Address on File for Alleged Debtor : Amount of Alleged Debt : Date ( that this alleged debt became payable ) : Date of Original Charge or Delinquency : Was this Debt assigned to a Debt Collector or Purchased? 
O Assigned O Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : _____________________________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Texas XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Verification of Debt Request Re : Acct XXXX XXXX XXXXXXXX Amount in dispute : {$430.00} Dear PORTFOLIO RECOVERY, I am reaching out to you about the debt you are trying to collect. You contacted me by letter. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial Communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt : The name of the creditor to whom the debt is owed : A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector : A Statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the XXXX period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Information About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your Receipt of this letter. XXXX proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the statute of Limitations has not expired on this account. 
Information about your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location, outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. 
I further dispute this debt and invoke my rights under the FDCPA and any other applicable state Laws. 
I request that you suspend all collections activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/ or the original creditor for the amount in dispute. 
Please note : If you have reported invalidated and inaccurate information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you Represent ), Demand is herby made to remove such negative marks while this debt is being disputed. 
Please respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to Providing the above information, please let me know in writing if you are prepared to accept less that the debt you are claiming is owed. 
Sincerely, XXXX XXXX XXXX x____________________________________ Date : ___________________________________

Company response to consumer: Closed with explanation