CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-10-03T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, I mailed ( Certified ) a letter to Portfolio Recovery Associate regarding three accounts in which they stated that I owed to them. Here is a copy of the letter I sent : Name and address removed for security reasons.

XX/XX/XXXX 2017 Portofolio Recovery Associate XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Numbers # : XXXX ; XXXX ; XXXX To Whom It May Concern : ( Portfolio Recovery Associate ) Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your business claims has come due. Please Note : There are currently three ( 3 ) accounts in which I am seeking validation for.
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation of the debt is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Original contract with my wet signature and the collection agency ( your company ) wet signature, validating that I agreed to business with you, or any paper work and or contract showing I agreed to pay what you say I owe ( not photo copies ).

Explain and show me how you calculated what you say I owe.
Identify the original creditor ; Provide a verification of any judgement if applicable ( no photo copies ) ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your office ( s ) have reported invalidated information to any of the major Credit Bureaus ( XXXX, XXXX or XXXX, said action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any credit reports made by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character If your company are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time, all collection activity must be cease and desist. In addition, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit-reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your office fail to respond to this validation request within 30 days, from the date of your receipt, all references to the account must be deleted and completely removed from credit file, and a copy of such deletion request shall be sent to me immediately.
I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records ; any information obtained shall be used for that purpose.
Best Regards, Three letters dated XX/XX/XXXX ( envelopes had no stamped date, so I am not sure if it was past 30 days when Portfolio Recovery Associate Responded to my above letter XXXX, were mailed to me. It stated ” verification information concerning Portfolio Recovery Associate : Account number, seller of account, Original creditor ‘s address, and current creditor ”.

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P.S Note : All three letters will be attached for references, since it brings up the reason for my complaint here. I specifically ask Portfolio Recovery Associate to VALIDATE the debt ( Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt ), AND not VERIFICATION. My request, as stated in my letter above to Portfolio Recovery and Associate was straight forward, yet they refused to comply with my request. Due to the fact that Portfolio Recovery and Associate did not submit any signed contract with my signature and theirs, Nor have they given any original contract stating that I agreed to do business with them, nor Validating the account, I am asking to have all three accounts removed from the credit bureaus.

Balance {$1400.00} Acct # XXXX Balance {$850.00} Acct # XXXX Balance {$1300.00} Acct # XXXX


State/Zip: MD 212XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2691352

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