Consumer complaint received 2020-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Portfolio Recovery Associates, LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX. to XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX- XXXX XXXX ( ET ) XXXX Alleged debt amount : {$1000.00} Alleged debt amount : {$1200.00} Alleged debt amount : {$2500.00} To whom it may concern, I would like to bring to your attention the violations committed by the company, Portfolio Recovery Associates , against me and my credit report. I have no signed contractual agreement with this company, yet they have fraudulently posted 3 alleged debt balances on my credit reports, which include but not limited to the credit bureaus XXXX, XXXX, and XXXX. I have repeatedly asked them to properly validate the debts, which include : 1 ) An original signed contract with blue ink 2 ) An IP address attached to my digital signature/email address 3 ) A video surveillance of my person enrolling in the account Portfolio Recovery Associates have refused to provide me any of the above and remove this false information from my credit reports ; instead, theyve sent me a bunch of spreadsheets and mostly blank pages with very little data on them. No signature or contracts! 

I have repeatedly told them that I am a Social Security XXXX recipient, and I believe they are trying to garnish my SSDI ( XXXX income ). Ive sent them a letter from my primary doctor confirming my medical condition, as well as an award letter from the Social Security Administration. Ive researched their company and found out that they have a history of fraudulent behavior violating the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act and being out of compliance, including using illegal tactics against unwary consumers. 

You can find in the link below, a news article where Portfolio Recovery Associates agreed to a {$4.00} XXXX dollar settlement with Mass. Attorney General for deceptive and unfair practices https : XXXX This major national debt buyer systematically and repeatedly broke our laws, lied to vulnerable consumers with exempt income, and collected debts they couldnt even prove were owed, Massachusetts Attorney General XXXX XXXX said . 

Below is another article highlighting their deceptive practices : CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debt Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/ Its obvious Portfolio Recovery Associates have not learned their lesson and continue to  engage in illegal activity. Because of this, they have forced me to take further action! I have included documents with this submission.

Company response to consumer: Closed with explanation