Consumer complaint received 2024-08-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Complaint : Subject : Violation of Consumer Rights by Portfolio Recovery Associates LLC Details : I am writing to file a formal complaint against Portfolio Recovery Associates LLC. This collection agency has violated my consumer rights as outlined by several federal regulations. The specific violations are as follows : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information before reporting a collection account to consumer reporting agencies. Portfolio Recovery Associates LLC has not provided such validation information yet has placed a collection on my consumer report.

2. Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given a chance to dispute the account. Portfolio Recovery Associates LLC has not afforded me this opportunity, which is a clear violation of my rights.

3. Use of False, Misleading, and Deceptive Means : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. This conduct is prohibited under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unauthorized Furnishing of Information : Portfolio Recovery Associates LLC has no authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additionally, I am notifying Portfolio Recovery Associates LLC that : - I am disputing owing any and all debts to them.

- I am revoking all rights of Portfolio Recovery Associates LLC to communicate with me through email, text, or calls. All further communication must be in writing.

- I am requesting validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

- I am requesting the purchase agreement between Portfolio Recovery Associates LLC and the original creditor.

- I am requesting proof that Portfolio Recovery Associates LLC is licensed and bonded to collect debts in my state. 

These actions have caused undue stress and have negatively impacted my credit report and overall financial standing. I request that the CFPB investigates these violations and takes appropriate action to ensure that my consumer rights are protected. 

Desired Resolution : - Immediate removal of the inaccurate collection account from my consumer report.

- A thorough investigation into the practices of Portfolio Recovery Associates LLC.

- Assurance that Portfolio Recovery Associates LLC will comply with all relevant consumer protection laws in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief