I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.