Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
Re : Second request of Validation for alleged debt of {$510.00} reported on my consumer report two times after insufficient proper validation under the FDCPA 15 USC 1692g I did not ask for an electronic summary, I am requesting the company Portfolio Recovery Associates to follow the federally protected laws that put in place to be followed.

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 consumer report agencies ( 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 XXXX  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 of 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 receipts, 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.

Requested Information & Documents 1. Name and address of alleged creditor 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency 9. Was this debt assigned to a debt collector or purchased 10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants Portfolio Recovery Associates the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof of 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? Yes or NO ( Circle one ) Have any judgements been obtained by any creditor regarding this account?

Yes or NO ( Circle one ) Please provide the name and address of the bonding agent for Portfolio Recovery Associates, in case legal action becomes necessary : Authorized Signature of Creditor : ___________________________________________ Date : _________________________________________________________________ You must return tis 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 competed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practice Act. 

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

Company response to consumer: Closed with explanation