Consumer complaint received 2022-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery Associates , LLC I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] XXXX XXXX XXXX  ( XXXX )/ Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX Reference # XXXX Unknown credit account/tradeline, Hard Inquiry, on credit report. 
Dates : XXXX  XXXX Dates Maybe XXXX and was sold toPortfolio Recovery Associates LLC XXXX XX/XX/XXXX. Very unclear about dates. 
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine. 
o I dont recognize the accounts in question.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
o I am sending all documents supporting that this is not me. 
o I am asking Portfolio Recovery Associates , LLC to remove these collections off my credit report as soon as possible. 
o I am sending copies of my old address XXXX XXXX XXXX, XXXX Ar XXXX lived there over 20 years. New address is XXXX XXXX XXXX, XXXX Ar XXXX. 
o I am also asking if there is any proof you can provide me that is was me that opened this account.If so please mail or email them to me XXXX o I have called this company several times to ask them to remove this account off my credit report and nothing from this company is being done. I have been trying for over 2 years to dispute this account and no one has done any investigation. 

o I have disputed this account and other accounts on my credit report. Someone has been opening accounts in my name in XXXX, Louisiana, and Arkansas. 
o This is not me nor I have not had a XXXX XXXX credit card.I have been trying to prove that this is not me. 
o Here is some information on XXXX I filed bankruptcy on XXXX any debt was cleared and updated on XXXX. Docket # XXXX at XXXX XXXX XXXX Arkansas .Chapter XXXX Bankruptcy XXXX, Attorney XXXX XXXX XXXX Marked Tree, AR XXXX This is public information. 
o I have only been XXXX XXXX XXXX, XXXX XXXX XXXX. 
o I have never allowed anyone to use my identity. 
o This is not me so please take the actions to remove it from my credit report. 
o I have sent you all the documentation you need. 
o Also this has been turned over to collections because someone has failed to get proper identification and has cost me to be harassed and my credit has been hurt from this. 
o I am asking your company to please fix this. 
o I am also asking if there is anything on my credit report that does not match my identity for you to do a fraud investigation. 
o Hopefully you can get this resolved. 
o Also my name is XXXX XXXX XXXX I am sending all proper papers to prove my identity. 
o Also all three credit bureau had my name incorrect. The credit bureau has corrected it. 
o I have been trying to get this fixed and when I dispute the false claim on all three credit bureau for about two years now. I hope we can get this resolved. 
o I can not express enough that this is not my debt. I am a victim of fraud. 
o o Thank You o XXXX XXXX

Company response to consumer: Closed with non-monetary relief