Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
RE : Formal Dispute of PRA Accounts Ending in XXXX and XXXX To Whom It May Concern : I am writing in response to your recent communication dated XX/XX/XXXXXXXX  regarding the accounts ending in XXXX and XXXX. I would like to address several issues, as your response fails to resolve the dispute adequately. 

Lack of Proper Notification Your records claim that you sent notification letters on or about XX/XX/XXXX, and XX/XX/XXXX, respectively. However, no such notification was received. To substantiate your claim, please provide the following : Proof of Delivery : A copy of the delivery receipt for each notification letter, including the carrier used and any tracking information. 
Copies of the Alleged Initial Notification Letters : This includes all details required under 15 U.S.C. 1692g ( a ), including but not limited to the amount of the debt, the name of the original creditor, and the statement regarding the consumers right to dispute the debt. 
Failure to notify me properly under the FDCPA violates my rights and casts doubt on the validity of your claims. 

Insufficient Validation of Debt Your response claims that validating documentation from the original creditor was provided. However, the materials provided fail to meet the standards set by XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) and other case law interpreting proper debt validation. Specifically : The chain of assignment does not include detailed proof of every transfer of ownership, including agreements showing the sale and assignment of these accounts to Portfolio Recovery Associates. 
The account-level documentation provided does not adequately establish that I am legally obligated to pay the balances claimed. Please provide : The original signed agreements or contracts for both accounts. 
A complete payment history for each account, including all fees, interest, and charges assessed. 
Documentation proving that the alleged balances were accurately calculated and owed by me. 
Disputed Social Security Information You reference my social security number ending in XXXX. I dispute the accuracy of this information and request immediate investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Please verify the accuracy of the data you are reporting and provide supporting documentation from XXXX XXXX to confirm that this information is correct. 

Compliance with Applicable Laws While you claim that you take compliance with all applicable state and federal laws very seriously, the deficiencies in your response raise significant concerns regarding your compliance with the FDCPA and FCRA. 

Failure to properly notify me of the alleged debt violates 15 U.S.C. 1692g. 
Reporting inaccurate or unverifiable information to credit bureaus violates 15 U.S.C. 1681s-2 ( b ). 
My Demands : Cease and Desist : Cease all collection activity and refrain from reporting these accounts to credit bureaus until this dispute is fully resolved. 
Provide Proof of Ownership and Validation : Provide the requested documentation, including chain of assignment and complete account-level records, within 30 days of receiving this letter. 
Investigate and Correct Inaccurate Information : Under the FCRA, immediately investigate the disputed information and provide me with the results of your investigation. 
If you fail to meet these demands, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney Generals Office, and other relevant regulatory bodies. I am also prepared to pursue legal action to enforce my rights under the FDCPA and FCRA. 

Please respond to this letter in writing and include the requested documentation to substantiate your claims. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief