Consumer complaint received 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In response to complaint # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this second complaint against Portfolio Recovery Associates , LLC for violating a cease and desist notice they received on XX/XX/XXXX, and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a cease and desist notice, a debt validation, Exhibit A, which is a copy of inaccurate information/late payment on this account reporting to my consumer report, Exhibit B, which is a copy of this same account reporting more inaccurate information, as to being in collections housing XXXX ( XXXX ) different account numbers, reporting on my consumer report. Exhibit C, which is what Portfolio Recovery Services, LLC considers as lawful & sufficient validation of this alleged debt, and a pdf of a FTC report that will be labeled as Exhibit D, when filing for litigation in Federal Court to this complaint. In accordance with the FCRA, everything has to be 100 % accurate on my consumer report. Portfolio Recovery Associates , LLC stated " Per federal law, their company verified and confirmed that I was notified of the purchase of this alleged debt and provided notices ''. " Federal Law '' also states, that any alleged debt has to be lawfully validated prior to furnishing to consumer reporting agencies, and with the consumers written instructions. I have not validated any alleged debt with Portfolio Recovery Services, LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. How can this be alleged debt be validated/verified with so many inconsistencies/inaccurate furnishings on my consumer report? Portfolio Recovery Associates , LLC also stated that they are a debt buyer. But according to 15 USC 1692e ( 12 ), it is false representation or implication that accounts be turned over to innocent purchasers for value. Portfolio Recovery Services, LLC stated that they attached documentation /notice of verification as to informing me of the purchase of this alleged debt. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates any right to collect on this alleged debt. It is my belief that Portfolio Recovery Services, LLC is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Lastly, Portfolio Recovery Services also stated that the time of purchase was verified on XX/XX/XXXX and that they sent initial notification on XX/XX/XXXX. I have never received any documentation requesting validation from Portfolio Recovery Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Portfolio Recovery Services can not provide me with proof such as a tracking number that they attempted to lawfully validate and collect on this allege debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring XXXX to me and my financial reputation.

Company response to consumer: Closed with non-monetary relief