Debt collection -- Attempts to collect debt not owed -- Complaint #6815135

Complaint Overview

Complaint ID: 6815135

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Florida

ZIP Code: 33134

Date Received: 2023-04-09T12:00:00-05:00

Date Sent to Company: 2023-04-09T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. I was never served on this account, you are wrong court shows that I was never served I have proof you wrong. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX XXXX Ending in XXXX. Send me the cancellation letter via Consumer Financial Protection Bureau for my security. Within 7 business days. Thank you 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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