Consumer complaint received 2023-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates , LLC is in violation of Federal laws. Your organization Portfolio Recovery Associates Has falsely represented themselves furnished deceptive forms and violated my right to consent and privacy as well as caused injury to my character, reputation, credit standing, credit worthiness, ability to extend credit, ability to obtain gainful employment, insurance, housing and credit services As well as violated 15 USC 1692f ( 8 ). 

Portfolio Recovery Associates is a debt collector and financial institution as per 15 USC 1692a ( 5 ) 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal Purpose of which is the enforcement of security interests. The term does not include- ''. Portfolio Recovery Associates is a debt collector by definition of the FDCPA. 

Portfolio Recovery Associates is in fact a financial institution by definition of Federal Law. As per 15 USC 6827 ( 4 ) '' FINANCIAL INSTITUTION ( A ) in general the term " Financial Institution '' means ANY institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Proof labeled in attachment as EXHIBIT A Furthermore Portfolio Recovery Associates is an elaborate mechanism, a non affiliated third party with no first hand knowledge of the Consumer Credit Transaction in which I extended my credit to XXXX on XX/XX/2016. 
You are in violation of 15 USC 1692b " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; '' Proof labeled in attachments as EXHIBIT B, EXHIBIT A and EXHIBIT C Further your financial institution has provided my non public personal information to non affiliated third parties XXXX XXXX without giving my providing me the opportunity to Opt out or giving me notice. 
This is a violation of my rights to privacy and consent and 15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ( C ). Proof labeled in attachment as EXHIBIT B Furthermore your company has injured me, my reputation, my character, credit standing, credit worthiness, my ability to extend credit, to obtain employment, insurance, housing also has caused emotional stress, XXXX, marital problems by your company furnishing this information of an alleged debt owed on my Consumer Report by violating 15 USC 6801 ( a ) by providing my non public personal information to non affiliated third parties XXXX XXXX XXXX and XXXX. 
Proof labeled in attachment as EXHIBIT B

Company response to consumer: Closed with explanation