Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXX D.C. XXXX XXXX, XXXX, and XXXX Re : Formal Complaint Against Portfolio Recovery Associates Account of XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect an incorrect amount from me and for failing to provide sufficient documentation to substantiate their claim. 

I have received multiple letters from Portfolio Recovery Associates and from the original creditor regarding a debt that they claim I owe. However, there are significant discrepancies in these letters that make it unclear as to what, if any, amount is actually owed. 

In one letter from the creditor, dated approximately XX/XX/XXXX, the amount owed is listed as {$400.00}. 
Another letter, dated XX/XX/XXXX, lists the debt as having been sold to PRA for {$740.00}, which is a significant difference in the amount. 
Furthermore, a third letter from Portfolio Recovery Associates claims that the debt of {$740.00} was owed during the period between XX/XX/XXXX, and XX/XX/XXXX. 
To date, I have not received any conclusive proof in writing from Portfolio Recovery Associates that I owe this amount or any amount that matches the figures provided. They have failed to provide any valid agreement, signed contract, or proof that I am legally obligated to pay this alleged debt to them, or that they have the right to collect this amount from me. 

Additionally, I would like to bring to your attention that Portfolio Recovery Associates has been sending letters to the wrong address, as evidenced by the attached correspondence. This is particularly concerning because the address they have been using has not been my residence for the past sixteen years. This error has further complicated the situation, as I have not received these important communications in a timely manner. 

I am also aware that Portfolio Recovery Associates has faced legal action related to their debt collection practices. On XX/XX/XXXX, PRA was involved in a lawsuit that resulted in a {$24.00} XXXX settlement for engaging in illegal debt collection practices. This case, Consumer Financial Protection Bureau v. Portfolio Recovery Associates , LLC, et al., alleged that PRA used unfair tactics such as harassment, failure to verify debts, and making misleading statements, violating provisions of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ). Additionally, on September 9, 2015, PRA was found guilty of using deceptive tactics in its attempts to collect debts in the case of U.S. v. Portfolio Recovery Associates , LLC. These actions raised concerns about their continued practices.

Given the conflicting information, the failure to provide sufficient evidence, the issue of incorrect address usage, and PRA 's history of illegal and deceptive tactics, I am concerned that Portfolio Recovery Associates may be attempting to collect the wrong amount or potentially engaging in unfair debt collection practices in violation of the FDCPA, specifically Section 1692e, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. 

Furthermore, the credit bureaus ( XXXX, XXXX, and XXXX ) are reporting the date XX/XX/XXXX, as the date this account was opened, which conflicts with the other documents from PRA and the original creditor. This further indicates that there is confusion and inconsistency regarding the details of this alleged debt. 

Due to the inconsistent reporting of this debt and the ongoing discrepancies, I request that this debt be removed from any and all credit bureaus ( XXXX, XXXX, and XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), inaccurate or unverifiable information on a credit report should be removed. PRA 's failure to provide clear, accurate, and substantiated information regarding this debt has led to unfair and inconsistent reporting, and I believe it is appropriate for this debt to be removed from my credit report entirely. 

I request that the removal of this inaccurate debt from all three credit bureaus ( XXXX, XXXX, and XXXX ) be completed within 10 days of the date of this letter. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating this matter under the authority granted to you by the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). I am seeking clarification regarding the debt and its amount, and I would appreciate any steps that can be taken to resolve this issue and ensure the removal of this inaccurate reporting. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in ensuring that my rights are protected in this situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation