Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX, VA XXXX ( XXXX ) XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g et seq. 
Dear PORTFOLIO RECOV ASSOC, I am responding to your call regarding an alleged debt referenced as XXXX. This letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept this alleged debt, and I require the following verification before any further communication : 1. Proof of Debt Ownership & Assignment Under 15 U.S.C. 1692g ( b ) and established case law such as XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), you are required to provide evidence of the legitimacy of this alleged debt. Specifically : A copy of the original signed contract or agreement establishing the debt. 
Documentation proving the chain of assignment from the original creditor to your company, including all assignments and purchase agreements per XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
An itemized statement of the amount claimed, including principal, interest, fees, and charges, as required by Fields v. XXXX XXXX Firm, P.C., XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
2. Proof of Permissible Purpose under FCRA If you have obtained my consumer report, please provide documentation demonstrating permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Case law such as Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires that a collector must have a legally valid reason to access a consumers credit file. 
3. Cease Collection Until Verification is Provided Until you provide proper validation, any further attempts to collect or report this alleged debt may constitute violations of 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ). Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all further communication regarding this matter unless you provide the requested validation.

4. Potential Violations & Legal Action Failure to provide the requested information may result in legal action under 15 U.S.C. 1692k, which provides for damages for noncompliance. Courts have consistently ruled against debt collectors who fail to comply, as seen in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Please note that this letter serves as formal notice that I dispute this alleged debt in its entirety. If you can not provide proper validation, you are required to remove any negative reporting related to this account from my credit reports per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I expect your response within 30 days of receipt of this letter. Failure to comply will be interpreted as a waiver of your claim. Please send all documentation to my address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief