Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Account number : # XXXX To Whom It May Concern : Thank you for your recent correspondence, including your letters dated XX/XX/XXXX and XX/XX/XXXX. However, I must reiterate my request for specific documentation to properly validate the alleged debt, as required by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 
I would also like to note that this is the first time I am seeing the letter dated XX/XX/XXXX. I did not receive this letter at the time it was supposedly sent, despite your prior response implying that I did. This lack of timely notification has impacted my ability to address the matter promptly, and I am bringing it to your attention as it affects my rights under the FDCPA. 
While your response claims to have completed an investigation, I have yet to receive adequate documentation that fully verifies PRAs legal right to collect on this account. As you are aware, the FDCPA requires you to provide information that substantiates both the debts validity and your authority to pursue collection on it. To fulfill this requirement, I am requesting the following specific documents : XXXX. Proof of Transfer of Ownership : Please provide the bill of sale, assignment, or other legal transfer document that clearly shows XXXX XXXX XXXX, transferred this debt, including the right to collect it, to Portfolio Recovery Associates , LLC. 
XXXX. Detailed Account History : A full accounting of this debt is essential for my records, including a detailed history of charges, payments, and any interest or fees assessed prior to your acquisition. This will ensure the balance you claim is accurate and owed. 
XXXX. Verification of Compliance with IRS Write-Off Regulations : As noted in my prior communication, if XXXX XXXXXXXX received any tax benefit or write-off on this account, IRS guidelines may call into question the debt 's validity for collection. If such a write-off occurred, please clarify how PRAs right to collect remains unaffected. 
XXXX. XXXX XXXX under the XXXX XXXX ( XXXX ) : As per 15 U.S.C. 6801, I request that you provide information on how I can opt out of having my personal financial information shared with non-affiliated third parties, in compliance with XXXX 
If you are unable to supply the requested documentation within XXXX  days of receiving this letter, I will consider the debt unvalidated and request that it be removed from all consumer reporting agencies. Failure to provide the documentation will also lead to further complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 
Please confirm in writing that this account has been removed from my credit report or provide the specific documentation requested above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation