Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against Portfolio Recovery Associates , LLC for Violation of Consumer Protection Laws Dear Sir/Madam, Portfolio Recovery Associates , LLC accused me of owing a second alleged debt they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as Portfolio Recovery Associates , LLC never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 

So then I wrote Portfolio Recovery Associates , LLC and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with XXXX XXXX XXXX XXXX ( XXXX ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records.

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that Portfolio Recovery Associates , LLC communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that Portfolio Recovery Associates , LLC communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that Portfolio Recovery Associates , LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ).

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that Portfolio Recovery Associates , LLC used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ).

Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that Portfolio Recovery Associates , LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ).

Furthermore, you The Consumer Financial Protection Bureau ( CFPB ) has ordered Portfolio Recovery Associates , LLC a repeat offender in the debt collection industry, to pay over {$24.00} XXXX in penalties for ongoing illegal debt collection practices and consumer reporting violations. This action underscores the agency 's commitment to holding accountable those who repeatedly violate consumer protection laws. 

Consumer Financial Protection Bureau, XXXX XXXX Portfolio Recovery Associates , LLC, Defendant. XXXX XXXX. XXXX STIPULATED FINAL JUDGMENT AND ORDER With that being said these actions by Portfolio Recovery Associates , LLC are in clear violation of the FDCPA and my rights as a federal protected consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Portfolio Recovery Associates , LLC. I also request that the Consumer Financial Protection Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC XXXX, on Portfolio Recovery Associates LLC to compensate me for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation