Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This letter serves as my final rebuttal regarding the above-referenced account. Your previous response was wholly insufficient and fails to meet the burden of compliance under federal law. Furthermore, this letter serves as a formal notice of intent to initiate binding arbitration proceedings pursuant to the Arbitration Agreement you have imposed under the XXXX XXXX XXXX XXXX XXXX Cardholder Terms. 

I. Violations of FDCPA ( 15 U.S.C. 1692g, 1692e ) Your attempted validation by providing a copy of the application and generic statements fails to meet the required legal standard. As outlined in 15 U.S.C. 1692g ( a ), I hereby demand validation of the alleged debt as follows : The exact amount of the debt itemized with principal, interest, fees, and charges. 

The name of the creditor to whom the debt is currently owed. 

A written notice of my right to dispute the debt within XXXX days, which has not been properly communicated. 

Clear verification of the debt, or copy of a judgment, per statutory requirement.

The name and address of the original creditor, if different from the current one.

You have not provided these elements, and thus this alleged debt remains unvalidated, triggering your obligation to cease all collection and reporting activity until such validation is made.

Furthermore, under 15 U.S.C. 1692e, your continued furnishing of this debt to third parties ( including Portfolio Recovery Associates ) while knowingly failing to properly validate the debt constitutes false, deceptive, and misleading representations in the course of collection. This is a clear violation of federal law. 

Under 1692g ( c ), my failure to dispute this debt at any earlier stage can not be deemed an admission of liability, and no court may presume such.

II. Violations of FCRA ( 15 U.S.C. 1681e ( b ), 1681i ) There remain unresolved material inaccuracies across the credit bureaus : Charge-off amount discrepancies between {$17000.00} ( XXXX  ) and {$21000.00} ( XXXX ). 

Conflicting last payment dates ( XX/XX/year> vs. XX/XX/year> ). 

Conflicting removal dates ( XXXX XXXX XXXX  ). 

Inconsistent charge-off history between bureaus. 

These conflicts violate your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and require immediate deletion under 1681i ( a ) ( 5 ) ( A ) due to inability to verify the tradeline with uniform data.

III. Violations of GLBA ( 15 U.S.C. 68016802 ) You have admitted to transferring or selling my account information to Portfolio Recovery Associates. This constitutes an unauthorized disclosure of personally identifiable financial information without my knowledge or consent, in violation of : 15 U.S.C. 6801 Safeguarding consumer data.

15 U.S.C. 6802 Prohibition on sharing nonpublic personal information without notice and opt-out.

This alone entitles me to relief and redress under federal privacy laws, as the sharing of my account while disputed demonstrates a reckless disregard for consumer rights. 

IV. XXXX XXXX XXXX XXXX Arbitration Agreement As outlined in your Arbitration Clause ( Doc ID XXXX ) : This arbitration agreement applies to all Claims now in existence or that may arise in the future You and we agree that all Claims must be arbitrated on an individual basis Class actions and other representative or collective basis proceedings are not available I am hereby exercising my right to pursue binding arbitration under the Federal Arbitration Act ( 9 U.S.C. 116 ) to seek full redress for : Violation of FCRA, FDCPA, and GLBA.

Furnishing of unverifiable and inaccurate information. 

Unlawful sale and disclosure of personal data. 

Emotional distress, reputational harm, and interference with credit-dependent activities. 

Unless you provide full deletion of the tradeline and written compensation offer, I will initiate arbitration with the XXXX XXXX XXXX XXXX XXXX ) within XXXX business days, seeking statutory and punitive damages, including : {$1000.00} per FDCPA violation per 15 U.S.C. 1692k.

{$1000.00} per FCRA violation per 15 U.S.C. 1681n.

Actual damages, plus punitive damages for GLBA violations.

Double the finance charge as restitution for financial injury, under principles of common law equity and consumer protection.

V. Final Demand You have XXXX business days to : Delete the account from all three credit bureaus. 

Provide full, statutory debt validation, as detailed. 

Provide written confirmation that no further information has been or will be shared with third parties. 

Issue a compensation offer for damages to my livelihood. 

Failure to comply will result in formal arbitration against XXXX and Portfolio Recovery Associates individually, and notification to the CFPB, FTC, and XXXX Attorney General. 

This serves as your final notice of legal intent.

Company response to consumer: Closed with non-monetary relief