Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This serves as formal notice regarding a serious issue pertaining to an alleged debt your company is reporting on my credit profile. You are reporting a negative tradeline to XXXX or more credit reporting agencies without properly notifying me, obtaining validation of the debt, or receiving any form of authorization or consent from me. These actions are clear violations of my rights under both federal law and binding case law precedent. I was never notified of this debt, nor was I ever provided with a proper validation notice as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) .Your actions violate multiple provisions of the FDCPA, including 15 U.S.C . 1692g ( a ), which states : " Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing : the amount of the debt, the name of the creditor to whom the debt is owed, and a statement of the consumer 's rights to dispute and request validation of the debt. '' I have never received such a notice within the required XXXX periodor at any timewhich denied me the legally required opportunity to dispute and validate the debt.Furthermore, your failure to notify me prior to placing this derogatory mark on my credit report is a direct violation of my rights. Please be advised of the following : I dispute the validity of this alleged debt in its entirety. You did not notify me of this debt as required by law, and I was denied the opportunity to request validation within the required XXXX period. You are furnishing negative information to credit bureaus without substantiating the debt or obtaining my prior consent. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information must ensure maximum possible accuracy in reporting. Your failure to notify or validate undermines that requirement. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. 2001 ), the court held that a debt collectors failure to properly validate a debt and continued collection efforts were in violation of the FDCPA. In this case, the court emphasized that merely assuming a debt is valid without validation or communication is unlawful. Accordingly, I demand the following : XXXX. Cease and desist from any and all reporting, collection efforts, or communication regarding this alleged debt ; XXXX. Immediate deletion of any negative reporting associated with this debt from all credit reporting agencies to which you have furnished information. XXXX. Validation of the alleged debt, including : The name and contact information of the original creditor, A complete payment history and itemization of charges, Documentation bearing my signature or other legal basis proving that I owe this debt and that your agency has authority to collect it. XXXX. Copies of any and all correspondence you claim was sent to notify me of this alleged debt. This letter also serves as a formal Cease and Desist under the FDCPA. You are prohibited from contacting me regarding this matter by any meansincluding mail, phone, email, or credit reportingunless and until full validation of the debt is provided. If you fail to comply with this demand, I reserve the right to pursue all legal remedies available to me. You are now on notice of this dispute, and any continued reporting of this unverifiable and unauthorized debt may be considered willful noncompliance and subject to statutory and actual damages under federal law.

Company response to consumer: Closed with non-monetary relief