Consumer complaint received 2017-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Issue is that I did not receive notification. I have a filed complaint against XXXX for their attempted adverse and fraudulent activity through a fraud alert that I did not file. No other Bureau sent me a report except XXXX. XXXX immediately removed the alert through questions about my credit, but XXXX continues to pursue addresses with me, because apparently tied to corruptive element that wants to know my protected addresses. I have primarily used a XXXX XXXX for the last many years until XXXX of last year, because I have not obtained a new one after closing that one due to proximity and other issues. XXXX was already being improper in not allowing me to obtain my credit report and dispute online, therefore completely in control of those abilities on my report. The debt collector of this complaint has also already been a problem in the past, apparently tied to corruptive creditors or issues. My second mortgage issue was tied to corruptive procedures in the illegal taking of my children 's and my home in a jurisdiction known to be run by the XXXX. Considering XXXX is based in XXXX, I know the XXXX  to be connected to XXXX XXXX element that illegally took my home ( children 's Father 's corrupt XXXX Spouse equal to XXXX  angry about contractual agreement he wrote up for us ). Portfolio continued to pursue collection on second mortgage until XXXX when occurred in XXXX. XXXX XXXX XXXX XXXX XXXX failed to pay off second mtg, even though they sold for more then enough. Were n't cooperating with Banking Dept for over a year and then nothing done. Had a restraining order against them from District Court, but corrupt attorneys lied to District Court. I have proof they had not sold house to another party before restraining order. The next creditor Portfolio Recovery Associates involved with was my for profit University they pursued fraud in the failure of disbursing my student aid in the fall of XXXX, even though they had possession of the funds. They failed to disburse to my account and pay my tuition and then stopped me from finishing my XXXX when at the end of Dissertation. I am pursuing two new legal procedures against them, new Class Action and procedure to prove fraud with Dept. Ed. Amount was fraud also, because had increased my tuition by large amount not school wide and without notification or explanation for last two years XXXX. Now along with the false fraud alert, Portfolio is reported on XXXX for the financial backer of the school that my main instructor was a consultant with them and the former owner 's wife worked for them. The former head official of XXXX XXXXXXXX XXXX is now the owner of the XXXX University. It appears an attempt to reage the account with the former name of the creditor and an additional one the same XXXX XXXX XXXX that also is listed twice on the XXXX report through the two different names. I have disputed with Portfolio, but were very difficult to report the above causes. They all failed notification, and then surprise along with a false fraud alert. Apparently to upset and stress me out. In the file I will provide the last page is from my XXXX XXXX report and you can see three listings of Portfolio being deleted, but now just notified back on. I believe this activity is harassment due to my two new legal procedures against the school with ties to XXXX XXXXXXXX XXXX that are the cause of my failure to be able to pay my credit cards due to the school 's harassing fraudulent procedures that began in XXXX and exacerbated my medical condition that I am now legally XXXX.

Company response to consumer: Closed with explanation