Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX! 
BREACH OF XXXX XXXX. 

XX/XX/year> Portfolio Recovery Associates LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Violations of the FDCPA, Material Breach of Arbitration Agreement, and Demand for Immediate Compliance NOTICE : Portfolio Recovery Associates , LLC XXXX XXXX XXXX Department Account XXXX : XXXX This letter serves as a formal and unequivocal notice regarding your unlawful and egregious attempts to collect on the alleged debt associated with the above-referenced account. Your actions are in blatant and willful violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, and constitute a material breach of the binding arbitration agreement regulating this matter. 
The arbitration agreement governing this alleged debt, entered into with XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Credit Card, explicitly mandates that " any dispute must be resolved through arbitration. '' Despite this binding agreement, you have knowingly failed to initiate arbitration proceedings as required. Instead, you have continued collection activities in bad faith, demonstrating a pattern of willful and knowing noncompliance with federal law and contractual obligations. 
Your actions amount to an egregious breach of your duty to act in good faith and fair dealing. Operating with unclean hands, you have persistently ignored legal requirements while seeking to enforce an unsubstantiated claim. Such conduct is not only unlawful but also unacceptable and indefensible. 
Demands : To rectify this matter, I demand the following actions be taken immediately : XXXX. Notification and Removal of Account XXXX : Notify all credit reporting agencies to permanently delete any and all information, tradelines, or data associated with this account. Written confirmation of this action must be sent to my address on file without delay. 
XXXX. Settlement Agreement : Provide a comprehensive written settlement agreement documenting the resolution of this matter for my records. 
XXXX. Monetary Compensation : Remit monetary compensation in the amount of {$1000.00} for your willful violations, bad faith conduct, and the harm caused to me by your actions. 
Failure to comply with these demands will result in the immediate pursuit of all available legal remedies, including but not limited to statutory damages, actual damages, attorney fees, punitive damages, and injunctive relief. Be advised that your continued bad faith and refusal to adhere to federal law and the arbitration agreement will be addressed with the full force of applicable laws. 
You are hereby instructed to respond in writing, addressing each of the above demands, no later than 14 days from receipt of this letter. Silence or further collection efforts will be deemed an acknowledgment of your bad faith and unclean hands, further exposing your organization to heightened legal and financial liability. 
This matter requires your immediate attention and compliance. I will accept nothing less than a prompt, lawful, and comprehensive resolution. 
Sincerely, XXXX Account Number : XXXX

Company response to consumer: Closed with explanation