Consumer complaint received 2023-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor statements is not proper validation of debt. Kindly provide the purchase agreement if any for this alleged account. Please understand I XXXX XXXX deny any and all claims. XXXX XXXX is not asking for proof of just name or address because that is not what is in question. XXXX XXXX is not asking for verification and in keeping in compliance with G.A.P.P provide the info requested because it violates 5 USC 552a. PORTFOLIO RECOVERY ASSOCIATES LLC whose EIN is XXXX is in direct violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. PORTFOLIO RECOVERY ASSOCIATES LLC is in direct violation of 15 USC 1692d ( 2 ) for using deceptive language during our communication. PORTFOLIO RECOVERY ASSOCIATES LLC is indirect violation of 15 USC 1692f ( 2 ), PORTFOLIO RECOVERY ASSOCIATES LLC, is in direct violation of 15 USC 1692e ( 2 ) ( a ). I XXXX XXXX is keenly aware of the debt collection company not genuinely responding or acknowledging any of the issues stated in the initial complaints to XXXX XXXX 'S, but instead is, copy and pastes the same exact response. XXXX XXXX is aware that PORTFOLIO RECOVERY ASSOCIATES LLC has been flagged by the FTC as an abusive debt collection agency. PORTFOLIO RECOVERY ASSOCIATES LLC is a junk debt buyer. PRA attempted to sue back in XX/XX/XXXXXXXX  and lost because of abusive practices. A Missouri jury ordered a PRA to pay nearly {$83.00} XXXX to a XXXX  XXXX woman it pursued for a {$1000.00} credit card bill she didnt owe, XXXX affiliate XXXX reports. Portfolio Recovery Associates LLC was found guilty of violating the Fair Debt Collection Practices Act, in which they were ordered to pay {$250000.00} in damages, as well as maliciously prosecuting the woman, XXXX XXXX XXXX, over the debt that did not belong to her. For the malicious prosecution, the jury awarded XXXX {>= $1,000,000} in punitive damages. XXXX XXXX possesses. Actual proof of the many violations. Just because the CFPB has not moved on PORTFOLIO RECOVERY ASSOCIATES LLC does mean you will not get sued. PORTFOLIO RECOVERY ASSOCIATES LLC is now liable to XXXX XXXX according to 15 USC 1692K Civil liability and 15 USC 1681o for negligence. XXXX XXXX has collected a paper trail with substantial evidence against PORTFOLIO RECOVERY ASSOCIATES LLC. All of the CFPB complaints will also be used against you. I XXXX XXXX am not an uninformed naive consumer. I XXXX XXXX am keenly aware of what PORTFOLIO RECOVERYASSOCIATES LLC is doing. I XXXX XXXX DEMAND that PORTFOLIO RECOVERY ASSOCIATES LLC delete the account from all consumer reporting agencies and cease all collection activities for the last time or PORTFOLIO RECOVERY ASSOCIATES LLC will be liable under 15 USC 1692k and 15 USC 1681o, damages, punitive damages, and any other violation experiences by PORTFOLIO RECOVERY ASSOCIATES LLC.

Company response to consumer: Closed with non-monetary relief