Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Florida

Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my - and - requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each - of these violations of the FDCPA carries a $1000.00 fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the -, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.