Consumer complaint received 2024-09-05 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: IN

Complaint narrative:
Heres a reconstructed version of your CFPB complaint against Portfolio Recovery Associates : -- - **Dear CFPB, ** I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA Group , Inc. XXXX regarding a debt that has been reported on my credit report. The details of the debt are as follows : - **Account Name** : Portfolio Recovery - **Amount Reported** : {$750.00} - **Date Opened** : XX/XX/year> - **Last Reported** : XX/XX/year> - **Account Status** : Open - **Account Type** : Credit Card I am disputing the validity of this debt and requesting the following documentation and actions : XXXX XXXX XXXX XXXX **Purchase Agreement Verification** : - Please provide a copy of the purchase agreement or assignment contract between the original creditor and Portfolio Recovery Associates XXXX This document is necessary to verify the legitimacy of the debt transfer. 

XXXX XXXX XXXX XXXX **Original Contract Request** : - I request a copy of the original contract or agreement I allegedly signed with the original creditor. This is crucial for verifying the terms and conditions under which the debt was incurred. 

XXXX XXXX XXXX XXXX **Form 1099-C ( if applicable ) ** : - If there has been a cancellation of this debt, I request a copy of Form 1099-C, as this may affect the legitimacy of the debt and the obligations under it. 

XXXX XXXX XXXX XXXX. **Compliance with FDCPA and FCRA** : **a. Lack of Proper Notification** : - I have never received any communication from Portfolio Recovery Associates regarding this debt. This failure to notify me is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which mandates proper validation and notification of the debt. 

**b. Potential Identity Theft - 15 USC 1681c ( 1 ) ** : - The collection of my personal information, including my Social Security Number, without my written consent may constitute identity theft under 15 USC 1681c ( 1 ). I request that this matter be thoroughly investigated. 

XXXX XXXX XXXX XXXX. **Date of Last Activity** : - Please provide the date of the last activity on this account. This information is essential for accurately validating the debt. 


XXXX XXXX XXXX XXXX. **Binding Agreement Documentation** : - Please provide any documentation that establishes a legal obligation between myself and Portfolio Recovery Associates , including any transactions or agreements that bind both parties, especially concerning the original debt and its subsequent transfer. 

XXXX XXXX XXXX XXXX. **Obligation to Collect Documentation** : - I request documentation that clearly outlines the legal standing of Portfolio Recovery Associates to collect this debt. This includes any evidence of the transaction that demonstrates their authority to pursue this collection. 

XXXX XXXX XXXX XXXX. **Violation of Privacy** : - Portfolio Recovery Associates may have violated the Privacy Act by obtaining and using my private information without proper authorization. I request that this aspect of the complaint be investigated thoroughly. 

XXXX XXXX XXXX **Company Information** : - **PRA Group, Inc.** - **Exact name** : PRA Group, Inc.

- **Jurisdiction of Incorporation** : Delaware - **I.R.S. Employer Identification No. ** : XXXX - **Principal Executive Offices Address** : XXXX XXXX XXXX, XXXX, Virginia XXXX XXXX **Telephone Number** : ( XXXX ) XXXX - **Securities Information** XXXX XXXX XXXX, {$0.00} par value per share ( XXXX XXXX : XXXX ) Given these concerns, I respectfully request the CFPB investigate this matter and take appropriate actions to hold Portfolio Recovery Associates accountable for any violations of federal law. I would also appreciate a written response detailing the steps taken in response to this complaint. 

Thank you for your attention to this important matter. 

**Sincerely, ** XXXX XXXX

Company response to consumer: Closed with explanation