Consumer complaint received 2024-10-16 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: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal complaint against Portfolio Recovery : Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Collection Information Dear Consumer Financial Protection Bureau, I have reviewed my credit reports from the three major credit bureaus ( XXXX, XXXX, and XXXX ), and I have not found any prior notification of this debt before it appeared on my credit report as a collection. According to the Fair Debt Collection Practices Act ( FDCPA ), section 809 ( a ), collection agencies are required to provide written notice of the debt within five days of the initial communication. Since I have not received any written communication from your agency, I am disputing this collection account. 

I am writing to file a formal complaint against Recovery Portfolio for egregious violations of my consumer rights as protected by the Consumer Protection Act. Portfolio Recovery placed a collection on my consumer file without issuing requisite notice and without notifying me of disputing this alleged debt.

I, hereby, declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights, according to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased may be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from all of my credit reports. 

The date on your consumer report indicating that I opened an account with Portfolio Recovery is blankly false. I never received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. I am disputing owing any and all debts to Portfolio Recovery. This information tarnishes my credit history and infringes upon my consumer rights. 

I am requesting debt validation. The purchase agreement between Portfolio Recovery and XXXX XXXX. I am also requesting proof that Portfolio Recovery is licensed and bonded. 

If any actions by Portfolio Recovery constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( c ) ( XXXX ) ( I ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX ( XXXX ) ( a ), I am formally demanding the swift deletion of this collection from my credit report and I trust the Consumer Financial Protection Bureau XXXX XXXX investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention regarding this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief