Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file which is showing as I am responsible for but I am not, this account was transferred to another office. 
This item XXXX XXXX XXXX {$470.00}, Portfolio Recovery {$790.00} and XXXX XXXX XXXX {$680.00}. claims I am Liable for this account but this is inaccurate because I dont Owe this account, per the FCRA law if the consumer has not been sent original verification of the debt per his/her request it should be removed IMMEDIATELY. 
Please reinvestigate this matter and Delete the disputed item as soon as possible. 
With that being said I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Closed accounts that need to be revised : XXXX XXXX {$2400.00} opened XX/XX/XXXX, XXXX {$0.00} opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
Also, the ONLY ADDRESS that needs to be reflected is the XXXX on the ID attached Also I have inquiries that need to be removed. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, People facts XXXX I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief