Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) Account Name : PORTFOLIO RECOV ASSOC, Account number : XXXX Dear PORTFOLIO RECOV ASSOC Dear Sir or Madam, I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. Please supply the following information so that I can be fully informed : 1. Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provide me with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor. 
2. Details of the debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made.

Last billing statement : Please provide a copy of the last billing statement sent to me by the original creditor.

Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition.

3. Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. If the original creditor has another name by which I might know them, please include that as well. 
Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. 
4. Proof of your authority to collect this debt Documentation of your legal authority : Please provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor.

Debt collection license in my state : Provide the details of your debt collection license in my state, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license.5. Additional requested information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent. Also, identify the date of the last payment made on this account. 
Statute of limitations : Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination. Until I receive the requested validation, I consider any attempt to collect this debt inappropriate and in violation of the FDCPA. Therefore, I request that you cease all collection efforts until proper validation has been provided. I expect to receive the requested information within 30 days of your receipt of this letter. 
Thank you in advance for your cooperation and attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation