Consumer complaint received 2022-05-12
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:
XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' -consumerfinance.gov `` We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. 

In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, Non-Trustee, Beneficiary of the Social Security Trust and XXXX which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff. 


XXXX XXXX XXXX. 

v. 

PORTFOLIO RECOVERY, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Defendant. 

Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, and damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. 

Defendant, Your illegal communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- and existence on the XXXX, XXXX and XXXX credit reports of the Plaintiff is fraudulent. Now, there are various legal and lawful ways to approach Your illegal and unlawful acts against the Plaintiff, Consumer and Beneficiary. Let 's start with you putting into the record and public record, here on this " ... official website of the United States government '' which is displayed on consumerfinance.gov, as evidence and for examination by also the Plaintiff, the contract the Plaintiff signed that states the Beneficiary is legally and even lawfully bound to give You that which You are fraudulently attempting to obtain from the Consumer. The Defendant and definitely the Plaintiff already knows that no such contract exists and the Beneficiary never entrusted You with the Social Security Trust and Account information. 

Therefore, the Defendant shall immediately remove Their communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- which are also already personal damaging, illegal and unlawful act and offenses listed under collections section of the existing credit reports -- which should not even exist for obvious reasons -- stat, and forever keep it off! That action of communication You have done is evidence of Your already committed voluntary personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Defamation ; 28 U.S.C. 4101 ( 1 ) Libel ; 28 U.S.C. 4101 ( 1 ) Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206 Aiding and Abetting ; 18 U.S.C. 2 Conspiracy ; 18 U.S.C. 956 You illegally and fraudulently communicated and claimed a debt is owed, which, again the debt is and has never been owed, can be communicated to the one to whom all alleged debt is responsible, anyway : U.S. Constitution ArtI.S8.C1 ; Congress. Will You harass Congress with Your communication which is fraudulent? 

Moreover, Defendant, You are hereby, put on written legal and lawful notice : XXXX U.S.C. XXXX ( c ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). This legal and lawful notice also means You must, have to, and shall remove your communication -- XXXX XXXX. XXXX ( a ) ( XXXX ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- from the Consumer credit reports, stat, immediately, indefinitely and forever. 

Furthermore, reparations is owed and in the form of a postal money order, or Post_Office-issued money order or check -- XXXX. XXXX ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff stat through the XXXX XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX. XXXX ( XXXX ) Libel ; XXXX XXXX. XXXX ( XXXX ) Harassment ; XXXX XXXX. XXXX ( d ) ; Truth In Lending Act ( XXXX ) XXXX ; XXXX XXXX. XXXX, XXXX XXXX. XXXX Aiding and Abetting ; XXXX XXXX. XXXX Conspiracy ; XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief