Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I made my initial complaint against portfolio recovery approximately 2 weeks ago. It wasnt until the company received the compliant that they sent me a letter dated XX/XX/2018, which is all in XXXX a language I dont speak so I still dont know what it says. My compliant with this company is they are attempting to collect against the wrong person. Prior to the company placing the account on my credit file, they called me several times and we could never get past verification because the information they have on file does not match mine. At the time I didnt have an account number ( just received it on the XXXX  only letter dated XX/XX/2018 ), so we couldnt discuss the account, all the customer service agent would say is they cant speak with me because the information didnt match, and they would remove my number. 

In the CFPB response the company stated the debt was via XXXX XXXX, I have never had a XXXX  XXXX account, in fact when XXXX  XXXX placed the account on my file they had to remove it because the account doesnt belong to me. Nonetheless, even if the account was ( which it isnt ) valid with XXXX XXXX, that doesnt negate that I owe portfolio recovery that ONLY means I would owe XXXX   XXXX ( which I dont owe either ). I have NO contract, obtaining my wet signature acknowledging a debt or establishing a contract with portfolio recovery, therefore in accordance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of this debt. Please note, this is not a refusal to pay nor is it an acknowledgment of this debt, rather a statement that your claim is disputed, and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe, portfolio recovery, the said debt and have any legal obligation to pay you ( portfolio recovery ).

Please provide me with the following : 1. Contract between myself and portfolio recovery that A ) acknowledges the debt and B ) agreement to pay your company not the original creditor ( any information including bills, contracts and/or any other paperwork from the alleged original creditor, XXXX  XXXX, is NOT lawfully under fair credit act considered to be a binding contract between myself and portfolio recovery nor given portfolio recovery the right to collect this debt ) 2. Show me that you are licensed to collect in my state ; and 3. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation