Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of a debt that has been reported by your agency on my consumer credit report. You have failed to comply with the provisions set forth under federal law, and I am demanding immediate action to rectify these violations. 

* 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : * Your agency has reported a collection account to the consumer reporting agencies without first providing me with a validation notice that includes the required information about the debt. This is a clear breach of the Fair Debt Collection Practices Act ( Regulation F ), specifically 12 CFR 1006.34 ( b ) ( 5 ), which mandates that certain disclosures must be made before furnishing information to any consumer reporting agency.

* 2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : * I have not been provided an opportunity to dispute the alleged debt, and you have proceeded to take collection actions without observing the appropriate dispute period. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which provides consumers a right to contest a debt before further collection activity proceeds.

* 3. Deceptive and Misleading Practices 12 CFR 1006.34 ( d ) : * You have used false, misleading, and deceptive practices in violation of 12 CFR 1006.34 ( d ). Furnishing data to consumer reporting agencies while omitting the required validation notice and disclosures demonstrates an intentional disregard for the law.

* 4. Violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : * As a data furnisher, you have no authority to furnish any account to a consumer reporting agency without complying with all disclosure obligations as outlined in the Fair Credit Reporting Act. Your failure to do so is a direct violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Therefore, I am formally demanding the following : 1. Debt Validation in full compliance with the FDCPA, including the name of the original creditor, the itemization of the debt, and any supporting documentation.

2. A copy of the purchase agreement between your agency and the original creditor proving your legal right to collect on this debt.

3. Proof of license and bond authorizing you to collect debts in my state of residence.

4. Immediate removal of any and all references of this alleged debt from all consumer reporting agencies until proper validation has been furnished.

Additionally, I am disputing any and all claims of indebtedness to your agency. I do not owe this alleged debt.

From this point forward, I am revoking all consent for your agency to contact me via phone calls, text messages, or email. All communications must be made in writing only.

Failure to comply with these demands and correct these violations may result in further complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney Generals office, as well as legal action.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation