Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRA GROUP, INC PORTFOLION RECOVERY ASSOCIATES , LLC. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : We have asked you to validate the alleged debt that you claim that the entity known to you as XXXX XXXX owes, and all you have provided us are statements to an account that you can not prove belongs to the entity. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. This is consistent with 15 U.S.C. 1692g ( b ), which require you to obtain verification of the debt.

You have violated the entitys consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 ( g ) Failure to validate the alleged debt..

We refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 

15 U.S.C. 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, we will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to collect on this alleged debt. 

FDCPA 811 [ 15 U.S.C. 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

Should you decide to turn this alleged debt over to an attorney to collect and violate the entitys rights under the FDCPA 15 U.S.C. 1692 even further, an attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 U.S.C. 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

With all that was said above, for each VIOLATION of the FDCPA that you have committed we are entitled to {$1000.00} per violation. According to the law : FDCPA 813 [ 15 U.S.C. 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay us {$1000.00} per violation along with more in damages. 

Finally, we are keeping a summation of all your unathorized use of the copyrighted name XXXX XXXX, including any and all derivatives, for an eventual UCC-1 Financiang Statement against the CEO XXXX XXXX XXXX PRA GROUP , INC , AND PORTFOLIO RECOVERY ASSOCIATES , LLC, as we hold all parties personally responsible in this matter. Once, this matter is settled, we will begin self-execution of our claim. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation