Consumer complaint received 2022-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have the wrong social in your system per your response! 
I disagree with the item listed below which still appears on my credit report, even after your investigation. I want this item immediately removed from my consumer reports. These inaccuracies are highly injurious to my credit rating. 
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. I have been trying to rectify this with your company for over a year now. To date, you have not done your due diligence as mandated by law. Your non-compliance with federal law is unacceptable, and your disregard for it contemptible. Rest assured I can hold you accountable. 
As indicated by the previous CFPB # XXXX complaint. Your response stated and I quote Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase.

Again, the alleged debt was not properly investigated because you have the incorrect social security number per your response and supposedly records from your investigation. 
On top of that after my initial dispute with the credit agencies, you proceeded to mail a simple bill that is NOT considered a " validation of debt '' by any means and violates several consumer laws under FDCPA. Marked as exhibit A in attachments. 
Please also be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least eight sections of this act and I should be compensated pursuant to 15 U.S. Code 1692k ( a ) in the amount of {$1000.00} for each violation. See attached invoice I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 
I highly doubt that this {$8000.00} debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Again I demand your remove ALL information resulting from this pursuant to FCRA 605B ( 15 U.S.C. & 1681 ( c-2 ) which states that this account must be removed within 4 Business Days of receipt.

If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, ( see attached ), and I will take action against you for these continued violations and abuse.

Consumer Violations : Please see attached invoice.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) -Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 15 USC 1692B ( 2 ) - communicating with a consumer that such owes any debt 15 USC 1692F ( 1 ) - collecting of any amount without expressly authorized by the agreement creating debt 15 USC 1692D ( 1 ) - harming my reputation/ defamation of character by reporting incorrect information 15 USC 1692B ( 5 ) - use of symbol and communication stating debt collector 15 USC 1681B ( 2 ) - furnishing information without consent from the consumer 15 USC 1692c communicated with me without me giving direct consent to do so 15 USC 1692e ( 10 ) - use of any false representation/deceptive means in an attempt to collect the alleged deb

Company response to consumer: Closed with non-monetary relief