Consumer complaint received 2024-12-13 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: WI

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin, XXXX ] [ XXXX ] [ XX/XX/year> ] Portfolio Recovery Associates [ XXXX XXXX XXXX XXXX VA XXXX ] Subject : Cease and Desist, Notice of Dispute, and Demand for Removal Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA To Whom It May Concern, I am demanding a Manual review!! 

This letter is a formal notice to cease and desist all forms of communication regarding the alleged debt associated with Account Number : XXXX. As outlined in 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that they refuse to pay an alleged debt, the debt collector must cease all communications with the consumer, including reporting the alleged debt to any credit reporting agencies, as such reporting constitutes a form of communication. 

Violation of FDCPA and FCRA Your reporting of this alleged debt to the credit reporting agencies violates consumer rights for the following reasons : Lack of proper. Notification nor having a written contract or consent of permission to furnish inaccurate information There more 1. Lack of Written Permission : I have never provided written permission for Portfolio Recovery Associates or any other party to report or share my personal or financial information with any credit reporting agencies. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose for reporting such information.

2. No Original Contract : I do not recognize or have an original contract with Portfolio Recovery Associates for the alleged debt. Provide proof of a valid agreement, signed by me, validating this account.

3. Inaccuracies : Based on the credit report details, inaccuracies are present regarding the reporting of late payments and derogatory marks. These errors must be corrected immediately or removed from my credit file.

Demand for Validation and Physical Review Under 15 U.S.C. 1692g ( b ), I request validation of the alleged debt, including the original contract or agreement, proof of your authority to collect this debt, and a detailed itemization. Additionally, provide a physical review of this account, including all documentation supporting your claim. If such validation can not be provided, the account must be removed immediately. 

Demand for Deletion Due to your failure to comply with consumer protection laws, I demand the immediate cessation of reporting this alleged debt to any credit reporting agency. Furthermore, remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Upon deletion, send a letter of confirmation to me for my records to provide proof to these agencies. 

Pre-Arbitration Notice Be advised that failure to comply with this demand within 30 days of receipt of this letter will leave me no choice but to pursue arbitration under the FDCPA and FCRA, and seek damages for violations of my consumer rights, including unauthorized communication and reporting. 

This is a formal notice under 15 U.S.C. 1692c and 15 U.S.C. 1681i, and failure to comply will result in escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office. 

I look forward to your written confirmation of compliance. 

If possible also send me a letter of notification of deletion so I can provide the other consumer reporting agencies for immediate removal asap! 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief