Consumer complaint received 2023-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was taken out of bankruptcy discharge that it was in for years. Not a single complaint was addressed, not to mention using the pertinent laws to address or state your rebuttal from the actual violations that are brought against your company. 

PORTFOLIO RECOVERY ASSOCIATES ( PRA ) is a problem company who thinks they are privileged and can break all the law that were created to be used against them Like the XXXX that I wrote about previously, I wrote complaints that was XXXX TILA violations to the BBB and I requested for PRA to respond to my complaint with pertinent laws that correspond to the specific TILA codes that PRA is in violation of. PRA did not answer XXXX single complaint, that is not good enough and their failure to respond to the relevant terms is an obvious admit of guilt they are more worried bout this very bad publicity being posted to the BBB website is evident of their knowing of the violations ( now the CFPB ), this company has a long rap sheet/ track record of violations and class actions and could be called the Poster Boy company of the Dirty DEBT collector industry. All the phone calls I Received, no comment from PRA, why would anybody in there right mind believe their internal investigations in to this, especially since they didnt address XXXX single complaint. 

This so called Debt was part of a Bankruptcy it was XXXX, and for it to come back they are now falling into the XXXX XXXX XXXX XXXX fraud, they have already committed Identity Theft. I have every right to charge PRA the cost of the XXXX x XXXX vioilations multiplied by XXXX for all the violations, which they in Acquiescence of, meaning if they choose to not rebut the violations that they are accused of, then they are guilty of those violations. The debt was XXXX and I never received my XXXX, The fact that PRA canceled this debt with a XXXX on the last Quarter and I didnt receive my B copy is fraud also. This debt is related to the corporate entity and your trying to harass funds from the living natural Man, 15 U.S.Code 1692a ( 3 ). I am the agent for the Principal, I am not the surety. It is a fact, affiant is aware and has proof in the pages provided contain of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ), the principal has never been at such address much less taken residence.

I DEMAND THAT PORTFOLIO RECOVERY ASSOCIATES ANSWER THE FOLLOWING OR REMOVE THE DEBT, if PRA choses not to answer these violations that they commit, I request that BBB XXXX their WRONG-FULLNESS for the world to see, they need to be held accountable, for their illegal ways. The true story is 18 USC 8 the UNITED STATES IS obligated to pay all debt public and private. I am the original creditor because of 12 USC 411. XXXX XXXX will back this up since they wrote the XXXX, and I the living man not the Principal am being harassed. 

15 U.S.Code 1692k ( a ) ( 1 ) It is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to PORTFOLIO RECOVERY abusive and deceptive business practices. Like calling and hanging ups over and over, and just sitting on the phone when I pick up, also not telling me who I am talking to. Causing why family distress and fear of grave danger, and causing mental anguish for my kids and my mother who is now passed from the undue stress to speed up her natural process.

15 U.S.Code 1692k ( a ) ( 2 ) ( A ) It is a fact, 15 U.S.Code 1692k ( a ) ( XXXX ) ( A ) states an individual action is a violation worth {$1000.00} dollars for proceeding, however understand 15 U.S.Code 1692k ( a ) ( 1 ) these violations has caused actual damages to me, it has caused me not to be able to get a credit to buy food causing hunger and lowered my immune system, then i fell terribly sick. I was unable to purchase fuel, for my truck to visit my mother one more time before she passed away. The unneeded stress from not having the credit that is my Birthright and that PORTFOLIO RECOVERY recently caused unneeded and unnecessary stress on my mother and so did I by being sick from my immune system being low, this caused my mothers worry for me coupled with the cold I gave her, caused her life to be shorter than it would have been with the credit that I deserve.

15 U.S.Code 1692e ( 8 ) It is a fact, affiant is aware and has proof in THE NEGATIVE CREDIT REPORT TO AGENCY of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ) .15 U.S.Code 1692c ( c ) 15 U.S.Code 1692d ( 6 ) Notice, it is a fact, affiant is aware it is a violation of 15 U.S.Code 1692d ( 6 ) to make phone calls to a consumer without meaningful disclosures of the callers identity. I, affiant made several attempts to get meaningful and reasonable disclosure from XXXX however I did not receive any meaningful disclosure. 

XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) It is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and PORTFOLIO RECOVERY is in violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry. 

I am requesting that XXXX, Provide the prior written consent proof from affiant to have his personal information, phone, abode and Social Security XXXX. This is a violation of the 1974 Privacy Act. 

please answer with the laws to which pertains to the relevant violations of which your being accused. If you choose not to ( for the second time the previous, BBB LETTER ) THAT will be a omission of guilt, and you must remove the negative reports to all the Bureaus immediately. 



True, By : XXXX XXXX XXXX, XXXX UCC XXXX

Company response to consumer: Closed with explanation