Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
Re : Cease and Desist Demand Regarding Portfolio Recovery Activities. 
XXXX XXXX XXXX of XXXX Dear Sir/Maam I am writing to formally demand that you cease and desist from any further actions or attempts to recover or collect any outstanding debts related to my portfolio. As per the following legal grounds, I am requesting that all communication and collection efforts be immediately terminated. 
XXXX. Violation of Fair Debt Collection Practices Act ( FDCPA ) Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., debt collectors are prohibited from using unfair practices to collect debts. This includes practices such as contacting individuals at unreasonable hours, misrepresenting the amount owed, or using harassment tactics. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the XXXX Supreme Court confirmed that the FDCPA applies to attorneys who regularly engage in debt collection activities. 
In the event that any such actions have been taken against me, I demand an immediate cessation of all related activities, including but not limited to further collection attempts and aggressive communication. 
XXXX. Unlawful Debt Collection Tactics In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that using false, deceptive, or misleading representations when attempting to collect a debt is unlawful. If any such actions have been carried out in relation to the debt recovery attempts on my portfolio, it is in violation of this principle, and I request that any further attempts to collect this debt cease immediately. 
XXXX. Lack of Valid Debt or Documentation In XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that a debt collector is required to provide documentation proving the validity of the debt being collected. As of this date, no sufficient documentation has been provided to substantiate any claim of indebtedness, and I thus dispute the validity of the debt. Without such proof, any attempts to collect or recover this debt are invalid under the law. 
XXXX. Breach of Contract and Unjust Enrichment In the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXXXXXX XXXX  XXXX ), the court held that any debt recovery actions made in violation of the terms of a contract may lead to claims of breach of contract or unjust enrichment. If the terms under which the portfolio is being recovered are in dispute, or if the recovery process is inconsistent with the initial contract or terms of agreement, I demand that these actions cease and desist immediately. 
Demand for Action Given the legal precedents and violations outlined, I demand the following actions : XXXX. Immediate cessation of all communication regarding any alleged debts related to my portfolio. 
XXXX. A full and formal written response within [ number of days, typically XXXX or XXXX ] days confirming that these actions have ceased. 
XXXX. A written confirmation that all records related to these debt recovery attempts will be destroyed or returned to me, if applicable. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities, as well as pursuing claims for damages in a court of law. 
Please be advised that I am fully aware of my rights under both state and federal law and will not hesitate to take appropriate legal action to protect myself from unlawful collection practices. 
I trust that you will give this matter your immediate attention. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation