Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX Department XXXX XXXX XXXX. 
XXXX, VA XXXX Subject : Formal Demand for Debt Validation and Compensation for FDCPA and FCRA XXXX Dear Portfolio Recovery Associates , LLC, I am writing to formally dispute the validity of the alleged debt that appears on my XXXX credit report under the following details : Account Number : XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account ; {$640.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX I have never received any written notification from your company informing me of my right to dispute this debt within XXXX  days, as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Your failure to provide such notice constitutes a direct violation of my consumer rights. 
Violations Committed by Portfolio Recovery Associates 1. Failure to Provide Initial Communication Notice o Under 15 U.S.C. 1692g ( a ), you were required to notify me within XXXX ( XXXX ) days of your initial communication that I had XXXX  days to dispute the validity of this debt. 
o You failed to provide this notice, thereby violating the FDCPA. 
2. Unlawful Reporting of an Unverified Debt o By reporting this alleged debt to XXXX without first providing me with a validation notice, you have violated 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
o This false reporting has harmed my ability to obtain credit and constitutes unlawful damage to my financial reputation. 
Compensation Demanded for Damages Pursuant to 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ), I am entitled to statutory damages for your violations, as follows : FDCPA Violation : {$1000.00} per violation FCRA Violation : Additional damages of {$500.00} for the unauthorized reporting of an unverified debt I hereby demand immediate compensation in the amount of {$1500.00} for the violations of my consumer rights. Please send the proceeds to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Formal Demand for Action 1. Cease All Collection Activities Immediately 2. Provide Complete and Proper Validation of This Debt o A copy of the original signed contract or agreement o A full account history detailing all charges, payments, and fees o Proof that you have the legal authority to collect this debt 3. Remove This Debt from My Credit Report If Validation Can not Be Provided 4. Provide Payment for Statutory Damages as Outlined Above If you fail to comply within XXXX  days of receiving this letter, I will escalate this matter by : Filing a formal complaint with the CFPB, FTC, and the New Jersey Attorney Generals Office Pursuing civil litigation for damages and attorneys fees This letter serves as formal notice of my intent to pursue all legal remedies available to me under federal law. 
I expect a written response confirming compliance with my demands within XXXX  days. Failure to comply will result in immediate legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation