Debt collection -- Written notification about debt -- Complaint #6336031

Complaint Overview

Complaint ID: 6336031

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: Credit card debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: California

ZIP Code: 91304

Date Received: 2022-12-18T12:00:00-05:00

Date Sent to Company: 2022-12-18T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. Portfolio Recovery Associates LLC failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. according to my records, other companies had acquired the debt before Portfolio Recovery Associates. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of Portfolio Recovery Associates LLC back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. Portfolio Recovery Associates did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe Portfolio Recovery should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them 68 calendar days and counting to do so which I believe is unfair.

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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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