Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
RE : PORTFOLIO RECOVERY ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt. 

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity. 

6. Please provide verification from the stated creditor that you are authorized to act for them. 

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately. 

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.

Company response to consumer: Closed with explanation