Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
This complaint is in regards to Portfolio Recovery Associates , LLC about this said debt and I responded to the letter requesting them to validate this said debt. The first letter that I received dated XX/XX/year>XXXX  stated that I had until XX/XX/year> to respond and I responded in the allotted time. My letter dated XX/XX/year> in which they received certified mail by way of the United States Postal Service. 

The items that I requested were proof that you are licensed to collect debts in Michigan and your license number. A complete payment history on this account, detailing all interest, fees, and charges added to the original balance. Copies of any papers with my signature that show I agreed to pay Portfolio Recovery Associates , LLC for this said debt. 

Full accounting by way of both accounts receivable and payable. Proof that the statute of limitations has not expired. A statement that you will cease collection efforts until the requested information is provided. The original account number associated with this debt. 
If you acquired this debt through assignment, please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. Please provide documentation that clearly shows I owe the amount including a copy of the assignment contract or agreement that supports your claim. 

I request proof that all interest and fees were applied according to the terms of the original credit agreement and in compliance with relevant laws and regulations and proof that this said debt has already been charged off by the creditor. I also stated for Portfolio Recovery Associates , LLC to please provide this information within 30 days of receiving this request as required by the Fair Debt Collection Practices Act. If you are unable to validate this debt, I expect you to cease collection efforts immediately and remove any negative reporting from my credit file. 

I didn't receive everything that I requested. The only thing that I have received was the original creditor name, address, what date the account was sold and the date the said account was open. I sent a second letter dated XX/XX/year> requesting the same items and I still havent received everything that I requested. Portfolio Recovery Associates , LLC has received the letter by certified mail by way of the United States Postal Service so they can not say that they havent received the letters. 


Recently I have learned that Portfolio Recovery Associates , LLC has wrongfully placed a collections on my credit report as of XX/XX/year>. How are they able to report false information? They never sent me any documents to show PROOF that I owe them anything for this said debt. They havent provided me with any documents that I signed stating that I will pay PortfoIio Recovery Associates, LLC for this said debt. I have asked for these items two different times and they still havent provided me with everything that I requested in which I have a right to request. 

Portfolio Recovery Associates , LLC just decided to report false information to the credit agencies and they sold my information to the credit agencies without my consent so that sounds like IDENTITY THEFT to me. Portfolio Recovery Associates , LLC is basically saying we don't care what we have violated and we don't care about what you are requesting, we are never going to send you everything that you requested because we can't so we are just going to do what we want to do and we want you to pay us without us doing what is required.

Company response to consumer: Closed with explanation