Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Disclosure verification of debt Right to dispute notice not received Florida

In a recent ( - 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about - -, 2015 I made a written request for Debt Validation via - Certified Mail # -. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on -/-/2015 signed by - -. I received a response dated -/-/2015 stating if I wished to dispute the account to respond with a written request. Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a - Debt Validation request to PRA via - Certified Mail # -. I have copies of this letter and its proof of delivery signed for by - - also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the


On - -, 2015 a balance of $3800.00 was reported which constitutes continued collection practices. Additionally at the time of my - request the account still had not been marked in dispute '' with the - Credit Reporting Agencies. This was communicated to PRA in my - request. In - 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via - mail ( Certified # - ). PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.