Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : XXXX XXXX XXXX XXXX for Violations of Federal Law Dear CFPB, I am submitting this formal complaint against " PORTFOLIO RECOVERY ASSOCIATES , LLC '' for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This collection agency has unlawfully reported an alleged debt on my consumer credit report without providing proper validation or required disclosures, as mandated by federal law.

Violations Committed : Violation of 12 CFR 1006.34 ( b ) ( 5 ) The collection agency has failed to provide the required validation information before reporting the alleged debt to any consumer reporting agencies. Under this regulation, they must provide specific disclosures including the name of the creditor, itemization of the debt, and information regarding consumer rights.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been afforded the opportunity to dispute the alleged debt within the 30-day notice period. This is a clear violation of my rights, as debt collectors are required to inform the consumer of their right to dispute before any collection action
or credit reporting takes place.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ) The collection agency is furnishing information to consumer reporting agencies without providing me with the disclosures required by law, including notice of negative information. They have failed to notify me in writing before or within 30 days of reporting the information to the credit bureaus, which is a direct violation of both the FDCPA and the FCRA.

False, Misleading, and Deceptive Practices The collection agency is engaging in deceptive and misleading practices, in violation of 15 USC 1692e, by misrepresenting the nature and legal status of the alleged debt and continuing to collect or report without proper validation. 

My Formal Dispute & Request This letter also serves as my formal dispute of any and all alleged debts claimed by " PORTFOLIO RECOVERY ASSOCIATES , LLC. I do not acknowledge owing this debt and demand that all collection activity cease until proper validation is provided. 

I am also revoking any and all permission for " PORTFOLIO RECOVERY ASSOCIATES , LLC to contact me via phone, email, or text message. 

Under my rights granted by the FDCPA, I hereby formally request : Full debt validation, including a complete itemization of the debt and the name of the original creditor. 

A copy of the purchase agreement or assignment agreement between your agency and the original creditor that grants you legal authority to collect on this debt. 

Proof that your agency is licensed and bonded to collect debt in my state of residence. 

Until you provide this information, you are to cease all collection activity and remove any and all negative reporting from my consumer credit reports. 

I respectfully request that the CFPB investigate this matter and ensure that [ " PORTFOLIO RECOVERY ASSOCIATES , LLC is held accountable for their violations of federal consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief