Consumer complaint received 2021-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSOCIATES LLC, has no prior consent given directly by the consumer, XXXX XXXX, to communicate through any medium to me. I demand you cease and desist any further communication through any medium unless it is to obtain material disclosures, to notify that debt collecting is being terminated, or intends to invoke a specified remedy. I am not obligated to pay any debt. All debts are the obligation of the United States pursuant to 8 USC 18. On XXXX XXXX, 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold cause. This resolution has declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in any amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debt. 15 USC 1681 ( 3 ) ( E ) ( e ) defines the term investigative consumer report to be information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer. PRA is not exempt from federal law and they have not provided any validation of debts included in 15 USC 1692g ( a ) ( 1-5 ). PRA is claiming Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account. PRA is clearly stating they do NOT have a valid contract between PRA LLC and the consumer, XXXX XXXX. It does not matter if you bought a debt through any creditor, there is no lawful contract or agreement between the parties and I, as a consumer, have not agreed to do business with PRA LLC.

I am demanding, PRA LLC update all consumer reporting agencies that this account is to be removed and deleted from all files and records immediately. There has been no validity of any debt owed, as a contract between XXXX XXXX and XXXX XXXX does not constitute validity for PRA to furnish any information on my consumer report. Each update of this account on my consumer report is a direct violation of my privacy rights and is harassment because you are repeatedly claiming I owe a debt and threatening my rights by continuing to furnish this inaccurate account as pursuant to 15 USC 1681i ( a ) ( 5 ). PRA LLC states We take compliance with all applicable state and federal laws very seriously. Here is your time to follow the federal law by following the instructions in the United States Code, including promptly deleting this item from my consumer file. Also, in regards to PRA LLC violating and threatening my rights to privacy ; this company was never given permissible purpose or written consent to provide the consumer reporting agencies with ANY information. That is a direct threat to my right to privacy. PRA LLC must have my permission to communicate through any medium to myself or any other agency. This inaccurate reporting has damaged my reputation since published on my consumer report. I ask the CFPB to seek further investigation into PRA LLC and their abusive practices.

Company response to consumer: Closed with non-monetary relief