Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date : XX/XX/year> Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Current Creditor : PORTFOLIO RECOVERY ASSOCIATES , LLC ( " XXXX, XXXX '' ) Balance : {$540.00} Here we go againI received another fraudulent claim from Portfolio Recovery Associates , LLC. As soon as I think I am done with them, they sent me additional debt in reference to another XXXX XXXX account fraudulently done. WHEN IS ENOUGH ENOUGH? BECAUSE Portfolio Recovery Associates , LLC has done this before, I am preparing for arbitrationI am sick of this. 

Notice of Dispute and Cease and Desist - Alleged Debt Account Number : XXXX Alleged Amount Due : {$540.00} To Portfolio Recovery Associates , LLC and CFPB : I am formally disputing the validity of the alleged debt referenced above and hereby issue a permanent cease and desist regarding any and all forms of communication under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. Effective immediately, I prohibit Portfolio Recovery Associates , LLC, and any of its representatives, from contacting me regarding this alleged debt in any manner except as required by law. 

Dispute of Alleged Debt I dispute the existence, accuracy, and validity of this alleged debt with the original creditor, XXXX  XXXX, as communicated by Portfolio Recovery Associates , LLC. This debt is to be considered disputed, and I demand verification and substantiation of the amount claimed. 

Cease and Desist : Prohibition of Direct or Indirect Communication I hereby request that Portfolio Recovery Associates , LLC cease any and all forms of communication with me directly, indirectly, or through any consumer reporting agency including any and all secondary reporting agencies. If a consumer has sent a written cease-and-desist letter to a debt collector, the collector must stop direct communication with the consumer. Reporting or attempting to report information regarding this alleged debt to my consumer credit file constitutes an act of communication and, if done without my consent, will be a violation of my rights under 15 USC 1692c.

Reporting to Credit Bureaus as " Communication '' Credit Reporting and FDCPA : Reporting a debt to a credit bureau is considered a form of " communication '' under the FDCPA, as it conveys information about the consumer 's debt to a third party. 

Cease-and-Desist Requests : If a consumer has sent a valid written cease-and-desist letter to a debt collector, the collector must stop direct communication with the consumer. However, reporting information to credit bureaus is deemed a form of indirect communication. 

Legal Consequences and Potential Fines for Non-Compliance Please be advised that violations of the FDCPA, including unauthorized communication, carry statutory penalties of up to {$1000.00} per infraction. Any attempt to engage in unauthorized communication, including reporting to consumer credit agencies, may be subject to these penalties. Continued violations will be documented and pursued to the fullest extent under federal law, including seeking statutory damages for each infraction.

Notice to Comply If this matter proceeds to credit reporting, or if any attempt is made to contact me about this debt in violation of this request, I will seek all available remedies under the law to protect my rights and hold Portfolio Recovery Associates , LLC accountable. 

Thank you for your prompt attention to this matter. Kindly acknowledge receipt of this letter within five business days and cease all further actions related to this matter.

Company response to consumer: Closed with non-monetary relief