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: MA

Complaint narrative:
I am writing to complain about XXXX, a debt collector. There are a few serious problems with this company, and their behavior. 

XXXX. ) Portfolio Recovery Associates never sent me a written validation notice within XXXX days of initial contact, as required by the FDCPA ( 15 U.S. Code 1692g ). They began collection efforts without fulfilling this legal obligation, and I have yet to receive proper validation or original documentation of the alleged debt. I do not claim this debt as of this time, I am simply stating facts about the encounter. At no point was I properly notified by either Portfolio Recovery Associates or XXXX XXXX regarding the transfer of this debt. Under the FDCPA, it is required that I receive written notice of the transfer and that I am informed of the debt being sent to collections. The lack of proper notification raises further concerns about the legitimacy of the debt and the collection efforts. 
The lack of validation and failure to comply with required legal procedures has led me to believe that this account is being reported inaccurately to the credit bureaus. As per the Fair Credit Reporting Act ( FCRA ), only debts that are properly validated and substantiated should be reported. I am requesting that this debt be removed from my credit report until sufficient proof is provided to substantiate the claim. 

They began attempts to collect an amount which they currently claim is totalling in {$630.00} on this phone starting XXXX of last year XXXX- they were doing it on an old phone for months on end as well but I no longer have access to that phone for proof. 

They did not tell me when I asked, the date of collections formally - I was denied my right to full further information, so I can not unfortunately provide an exact date of start of selling off to this scummy company. 

XXXX. ) - Harassment I have received numerous, repeated calls from Portfolio Recovery Associates often from different or masked phone numbers over a period of time. These calls have occurred multiple times per week, at unpredictable hours, and without proper documentation ever being mailed to me. This excessive contact may violate : 15 U.S. Code 1692d ( 5 ) Prohibits causing a telephone to ring repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 

- Contact Without Proper Validation Despite initiating contact by phone and offering settlement options, they have not provided any formal validation of the debt in writing. This is a violation of : 15 U.S. Code 1692g ( a ) Requires a written notice of the debt within XXXX days of first contact that informs the consumer of their right to dispute it I have attached photos of the dozens of calls ( while I picked up the phone most of them were the debt collection services harassing me ), including under spam accounts to trick me. There's even more than what I put down. 

I have also attached proof of their collection from an account in my name/info- for legal purposes.

Company response to consumer: Closed with explanation