Debt collection -- False statements or representation -- Complaint #10517912

Complaint Overview

Complaint ID: 10517912

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: I do not know

Issue: False statements or representation

Sub-Issue: Attempted to collect wrong amount

State: New York

ZIP Code: 119XX

Date Received: 2024-10-20T12:00:00-05:00

Date Sent to Company: 2024-10-20T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Dear Portfolio Recovery Associates : I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof of Claim. As per the Fair Debt Collection Practices Act ( FDCPAL ), 15 USC 1692g, I am formally requesting comprehensive validation of the alleged debt. I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Name and address of the original Creditor. XXXX. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the original creditor. XXXX. Date of Last Activity. XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. XXXX. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. The obligation between your company XXXX Portfolio Recovery Associates ) and me that authorizes the collection of the alleged debt, along with any transaction binding me to an agreement to pay your company. XXXX. Proof of photo identification ( i.e., drivers license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. XXXX. Letter of sale or assignment of from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt ). XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) + information relating to the purchase of a bad debt is not proprietary or burdensome. XXXX. Proof that you are authorized to collect the debt on behalf of the creditor by providing the Assignment Contract. 9. Verification of the debt is within the statute of limitations. 10. Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiffs debt, 3. ) How the total amount was determined and 4. ) A list of documents that authorize the collection of debts ). In the event you will not or can not send all demanded documentation or can not validate every charge you state I have made to make this balance, then I demand this issue be resolved and dropped in full. I wish to point out I am going by the FEDERAL LAWS & I expect for your company to do the same.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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