Consumer complaint received 2023-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is evident that Portfolio Recovery Associates , LLC lacks knowledge of FDCPA laws, as they have committed multiple FDCPA violations at this time. Since acquiring the first alleged account, they have encountered significant issues with the CFPB, who refers to Portfolio Recovery Associates , LLC as " Repeat Offenders '' due to their malicious practices. I will not tolerate being a victim of your company 's unlawful actions. 

Firstly, PRA is in flagrant violation of 15 U.S. Code 1692g. I explicitly demanded proper verification for the new alleged account they opened. However, PRA stated, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' This violation will not be tolerated. By FDCPA law, you are obligated to provide all relevant documentation regarding the alleged debt. Your lack of cooperation is unacceptable. 

Secondly, by opening another alleged account within your malicious company and illegally contacting me by mail, you have violated the cease and desist order that PRA, as a whole, was expected to honor as they said they would. This violation is a significant breach of 15 U.S. Code 1692C ( C ). You are breaking the very law by which you are regulated by. 

Furthermore, PRA continues to make false and misleading misrepresentations about me, as outlined in 15 U.S. Code 1692e. They have failed to provide any genuine " Verification '' to support their alleged claims, particularly PRA is withholding documentation on this alleged account. 

Fourthly, it is imperative that PRA provides a contract between us bearing my signature on these alleged accounts. Contract law supersedes all federal and state rules, regulations, and statutes. If you are the XXXX in this matter, I demand a contract that was produced with my signature on this alleged account. I do not give my permission or consent by assent for you to enter as a third party in these alleged claims, nor to issue threatening letters regarding my private property or person, including reporting these alleged claims to various credit reporting entities. My house, telephone, email, and person are private and intended solely for my personal use or for those with whom I choose to contract. If you are attempting to engage in this alleged dispute without a contract or my explicit permission, you are in trespass ( XXXX XXXX XXXX v. XXXX, 304 U.S. 64, 1938 ). I emphasize that I am not a corporation. 

PRA shall produce a contract, Delegation of Authority, Regulatory Authority, or close all alleged accounts with PRA. Unless you are a second party, Holder-in-due-course, Creditor, Debtor, or Signer on the Original Contract regarding this alleged debt, you are considered a third party. As such, you are a liability and offer no assistance. 

Take Notice : You are hereby lawfully and legally dismissed. I refuse to discuss my Private Affairs with an " Unqualified '' third party. In your next correspondence, please provide the instrument that establishes my obligation to fulfill your requests, along with your identification and Delegation of Authority ( to wit : UCC-501 ( b ) ( 2 ) ). Failure to comply with these demands will be interpreted as your acceptance of my offer to hold you accountable in court, as specified in 15 U.S. Code 1692k. Without Prejudice, I hereby reserve all rights.

Cease and desist immediately.

Company response to consumer: Closed with explanation