Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA Group XXXX Inc. ) concerning an alleged debt that has been reported against me. The following details my concerns and requests : # # # 1. **Purchase Agreement : ** - I request a copy of the purchase agreement that pertains to the transaction in question. This document is essential for verifying the terms under which the alleged debt was acquired.

# # # 2. **Original Contract : ** - Please provide a copy of the original contract that outlines the terms and conditions agreed upon between the original creditor and Portfolio Recovery Associates .

# # # 3. **Form 1099-C ( if applicable ) : **- If applicable, I request a copy of Form 1099-C related to the cancellation of debt, as this could affect the legitimacy and standing of the alleged debt.

# # # 4. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : ** **a. Lack of Notification : ** - I have never received any form of communication from Portfolio Recovery Associates regarding the alleged debt. This lack of notification is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires proper notification to validate the debt.

**b. Identity Theft Concerns - 15 USC 1681c ( 1 ) : ** - The collection of my personal information, including my social security number, without my written consent constitutes identity theft under 15 USC 1681c ( 1 ). This is a serious violation of my privacy rights. 

# # # XXXX. **Date of Last Activity : ** - Please provide the date of the last activity on the account, as it is crucial for accurate debt validation. The account number in question is XXXX. 

# # # 6. **Full and Correct Social Security Number : ** - I request that Portfolio Recovery Associates confirm and provide the full, complete, and correct social security number ( SSN ) associated with this account. This is necessary to ensure accurate identification and verification, thereby avoiding any potential errors or cases of mistaken identity. 

# # # XXXX. **Agreement Binding Both Parties : ** - Please provide any documentation that establishes the legal obligation between Portfolio Recovery Associates and myself, allowing the company to collect on the alleged debt. This should include any transactions or agreements that bind both parties, particularly the original obligation and any subsequent transfer or assignment of the debt. 

# # # XXXX. **Obligation to Collect the Alleged Debt : ** - I request documentation that clearly outlines the obligation between Portfolio Recovery Associates and myself, allowing for the collection of the alleged debt. This includes any transactions that demonstrate legal standing and authority to collect the said amount. 

# # # XXXX. **Violation of Privacy Act : ** - As a security transfer agent, Portfolio Recovery Associates XXXX my private information without proper authorization, which I believe is a violation of the Privacy Act. The transfer of this information from the original creditor to Portfolio Recovery Associates and its subsequent use is a breach of my privacy rights. 

# # # **Company Information : ** - **PRA Group , Inc.** - Exact name of registrant as specified in its charter : PRA Group, XXXX XXXX 
- State or other jurisdiction of incorporation or organization : XXXX XXXX XXXX Employer XXXX XXXX. : XXXX - Address of principal executive offices : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX - Telephone number : ( XXXX ) XXXX - Securities registered pursuant to Section 12 ( b ) of the Act : - Title of each class : Common Stock, {$0.00} par value per share - Trading Symbol ( s ) : PRAA - Name of each exchange on which registered : XXXX XXXX XXXX XXXX Given the seriousness of these violations and the potential impact on me, I respectfully request that the CFPB investigate this matter and hold Portfolio Recovery Associates accountable for any and all violations of federal law. 

Please provide a written response to this complaint and inform me of any actions taken against Portfolio Recovery Associates. 

Thank you for your prompt attention to this matter. 

Sincerely, **Nate [ XXXX XXXX ] **

Company response to consumer: Closed with explanation