Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX Portfolio Recovery Associates , LLC Subject : Formal Response to Portfolio Recovery Associates Investigation and Dispute To Whom It May Concern, Thank you for your response to my dispute regarding the alleged debts. However, your response fails to adequately address the violations of federal laws that I have asserted and does not resolve the fundamental issues I raised in my original dispute. Below, I will outline the continued deficiencies in your actions and your response, supported by relevant federal statutes and case law. 

Violations of Federal Law 1. Failure to Provide Validation Information Your letter references an initial notification sent on or about XX/XX/XXXX, and XX/XX/XXXX, for two separate accounts. However, you have failed to provide the validation information required by 12 CFR 1006.34 ( b ) ( 5 ) as mandated under the Fair Debt Collection Practices Act ( FDCPA ). Specifically : The information must include details about the debt, such as the name of the original creditor, the itemized debt amount, and the rights of the consumer, including how to dispute the debt. 
Placing a collection account on my consumer report without providing this validation information violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Despite your assertion that no dispute or request for validation was received prior to this complaint, the absence of proper validation before furnishing the account to consumer reporting agencies violates both federal law and my consumer rights.

2. Deceptive Practices PRA has engaged in misleading and deceptive practices in violation of 12 CFR 1006.34 ( d ) by furnishing inaccurate or incomplete information about these alleged accounts to consumer reporting agencies. These deceptive practices include : Reporting the alleged accounts without ensuring that the required disclosures and validation were provided to me. 
Representing an obligation on my part to pay these alleged debts without furnishing sufficient proof of the validity of these claims. 
Deceptive practices are expressly prohibited under the FDCPA and carry potential consequences under both 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ). 

3. Improper Reporting to Consumer Reporting Agencies Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are prohibited from reporting information to consumer reporting agencies without verifying its accuracy. PRA has failed to meet its obligations, as : You reported the alleged debts to consumer reporting agencies despite failing to provide validation as required under federal law.

The initial notifications referenced in your letter do not absolve PRA from its obligation to provide sufficient disclosures and verification upon request.

Furthermore, case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), reinforces that reporting inaccurate or unverified information harms consumers and violates the FCRAs purpose of promoting fairness and accuracy in consumer credit reporting. 

Demands for Resolution To resolve this matter fairly and in compliance with federal law, I demand the following actions : Complete Deletion of All Accounts from Consumer Reporting Agencies PRA must request the immediate and permanent removal of all references to the alleged accounts from all consumer reporting agencies. Reporting these accounts without full validation and in violation of federal law constitutes a significant harm to my consumer rights.

Proof of Validation and Authority Provide the full purchase agreements between PRA and XXXX XXXX for the accounts ending in XXXX and XXXX. These agreements must demonstrate PRAs legal right to collect the debts. 
Provide proof of your licensing and bonding to operate as a debt collector in my state. 
Cease All Communications Continue to cease all direct communications regarding these accounts unless permitted by law. 
Further Action If these demands are not met within 30 days of receipt of this letter, I will escalate this matter by filing complaints with the following entities : The Consumer Financial Protection Bureau ( CFPB ) My state Attorney Generals office Federal Trade Commission ( FTC ) Additionally, I reserve the right to pursue legal action under the FDCPA and FCRA for damages resulting from PRAs violations, including statutory damages, punitive damages, and reimbursement of attorney fees if applicable. 

Please provide your written response and documentation to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation