Debt collection -- Attempts to collect debt not owed -- Complaint #10590065

Complaint Overview

Complaint ID: 10590065

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: I do not know

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Illinois

ZIP Code: 604XX

Date Received: 2024-10-26T12:00:00-05:00

Date Sent to Company: 2024-10-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Subject : Formal Dispute of Debt - Request for Validation and Removal Based on FCRA and FDCPA Violations Dear Portfolio Recovery Associates Dispute Department, I am writing in response to your recent communication regarding an account that you claim I owe : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Balance : {$600.00} First, let me be clear : I dispute the validity of this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of the debt in question. I expect your response to include all relevant documentation that proves the debt is accurate, valid, and legitimately owed. Your communication, dated XX/XX/year>, failed to provide sufficient documentation to support your claim. The information you provided contradicts my records, and I demand clarity. Please provide the following : Proof that Portfolio Recovery Associates is legally authorized to collect this debt. A copy of the original signed agreement between myself and XXXX XXXX XXXX. that created this obligation. A detailed account of how the balance of {$600.00} was calculated, including interest and fees. Furthermore, I have already filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) concerning issues with XXXX XXXXXXXX and Portfolio Recovery Associates. The complaint details are as follows : Complaint ID : XXXX Filed XX/XX/year> : Regarding attempts to collect debt not owed ( XXXX XXXX ). The case was closed after a company response. Complaint ID : XXXX Filed XX/XX/year> : Regarding credit reporting problems with XXXX XXXX XXXX XXXX . This case was closed and marked as a duplicate. Complaint ID : XXXX Filed XX/XX/year> : Concerning an issue with a companys investigation into credit reporting ( XXXX XXXX XXXX XXXX ). This case was closed after a company response. As you can see, these complaints demonstrate ongoing issues with inaccurate reporting and insufficient investigations by XXXX XXXX and associated entities, which are clear violations of the FCRAs requirement for accurate reporting across all credit bureaus. If you can not provide adequate validation of this debt within 30 days, I fully expect that this item will be removed from my credit report as mandated by law. If this issue is not resolved, I will pursue all available legal remedies under both the FCRA and FDCPA, including damages of up to {$1000.00} per violation. This letter serves as a formal request under the FCRA and FDCPA. I expect your response within the 30-day period as required by law. Thank you for your prompt attention to this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX. XXXX XXXX.

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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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