Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
Subject : Response to Dispute - XXXX Account Ending in XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to your communication regarding the XXXX account ending in XXXX. After careful review, I hereby dispute the validity of this debt and any information associated with it. 

This response is due to our first claim with the Consumer Financial Protection Bureau ( CFPB ) and your response to it, which we do not agree with. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation and verification of the debt in question. Please provide the following : 1. Validation of Debt : Complete validation of the alleged debt with certified documents bearing my signature, as mandated under 15 U.S.C. 1692g of the FDCPA and 12 C.F.R. 1006.34.

2. Verification of Information Furnished : Verification of all furnished information with certified documents according to applicable laws and regulations, specifically 15 U.S.C. 1681s-2 of the FCRA and 12 C.F.R. 1022.42.

Please be advised that according to 12 C.F.R. 1022.42 and 12 C.F.R. 1006.42, any attempts to collect this debt without proper validation and verification are prohibited. Until these requirements are met, I deny all claims and will not acknowledge this debt.

Furthermore, I request the cessation of all communication by phone, text, email, and mail regarding this matter unless it is to notify me that you are ceasing collection efforts. This request is in compliance with 15 U.S.C. 1692c of the FDCPA and 12 C.F.R. 1006.14.

Additionally, I would like to update you regarding the provision of information to third parties. According to 12 C.F.R. 1022.10 and 12 C.F.R. 1022.11, any sharing of my personal information with third parties, including the original creditor, without my knowledge or consent is strictly prohibited. I expect compliance with these regulations and confirmation that no unauthorized third-party disclosures have occurred.

To resolve this issue fairly and effectively, I am requesting the following actions : - Complete validation of the debt with certified documents bearing my signature in compliance with XXXX XXXX. 1692g of the FDCPA and 12 C.F.R. 1006.34.

- Verification of all furnished information with certified documents according to 15 U.S.C. 1681s-2 of the FCRA and 12 C.F.R. 1022.42.

- Confirmation of no unauthorized information sharing with third parties, including the original creditor, in accordance with 12 C.F.R. 1022.10 and 12 C.F.R. 1022.11.

- Immediate removal of all negative information related to this account from my credit report, as failure to validate the debt and unauthorized information sharing are violations of 15 U.S.C. 1681c of the FCRA and 12 C.F.R. 1022.43.

Please note that failure to comply with these requests may result in a formal complaint to the CFPB and other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. I expect to receive the requested information and confirmation of actions taken within the timeframe specified by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation