Consumer complaint received 2023-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt collector refuse to follow the law. This company Portfolio Recov Assoc account number ending in : XXXX identified as a debt collector for alleged debt. They said a 1099C tax document was sent but no such document from the IRS was sent for this alleged debt. If such document does exist they are breaking federal law trying to intimidate and collect on this alleged debt. This company ignored my cease and desists order and sent deceiving information and i never gave written consent as the natural living person ( Consumer ) to furnish This alleged debt. I have included the fraudulent statements they sent me via mail. Pursuant to 15 U.S. Code 1692e - False or misleading representations which this company has multiple violations and identify as a debt collector. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 2. The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 3. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 4. The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 5. The threat to take any action that can not legally be taken or that is not intended to be taken. 6. The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 7. The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. A cease and desist was also sent to this company and it was violated numerous times which is unlawful .As the natural living person and consumer i have a right to privacy. pursuant to 15 USC 1681 i have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company is not the original creditor and a 1099c tax for alleged debt was not provided for discovery.They dont even have the legal right collect in the state. Also statements from said alleged debt is not a violation of debt a can never be. I will Be contacting the CRA and my Attorney general of all these violations and be seeking damages if this account is not deleted immediately. They need to Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation : Statements are not a validation of debt. This Portfolio Recov Assoc account number ending in : XXXX needs to be removed immediately! See Spears v. Brennan, Pacific Concrete F.C.U. V. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). See also Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).

Company response to consumer: Closed with explanation