Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, Va XXXX Re : Debt collection attempt XXXX Dear Portfolio Recovery, This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809.

I am responding to your reporting of collecting a debt listed on my credit report about a debt of {$4900.00}.

If you believe that I am responsible for this debt, please mail me the following information : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.

1 If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

Tell me when the creditor claims this debt became due and when it became delinquent.

Identify the date of the last payment made on this account.

If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time collection activity must cease and desist. If I do not hear from you within thirty ( 30 ) days of the date of this letter, then this matter will be deemed closed. And 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.

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief