Consumer complaint received 2023-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I have been disputing an alleged account # XXXX form Portfolio Recovery Associates LLC that has been reporting on my consumer file without any validation that this account is actually mines. There is also 2 another account holder on this alleged account that I have no knowledge of. When disputing with the bureaus i received a letter saying that the account had been validated, but how exactly was this account validated. The company themselves Portfolio Recovery Associates LLC did not properly validate this alleged account. I have attached the documents that they mailed to me saying that the served as validity. A generated account statement is not validation, I asked Portfolio Recovery Associates LLC for proof that I owed their company any debt and they sent a generated letter form the alleged company who sold them the debt. This company was not in contact with me about selling any of my information pertaining to an alleged debt or anything that I have not given written communication about to another company Particularly Portfolio Recovery Associates LLC who still has not provided me with proof/bill of sell, to prove that I need to pay an alleged debt. The letter that Portfolio Recovery Associates sent me from the alleged original creditor does not show my actual address where I have been located for the past 5 years. So, this letter of sell was never delivered to me because again I never gave this company any written permission to sell my information and or consumer file. I XXXX XXXX, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. Portfolio Recovery Associates LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681 section 602 A. which states that I have a right to privacy, 15 usc 1681 section604 A states that a consumer reporting agency can not furnish a account without my written instructions, 15 usc 1692b ( 1 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; 15 usc 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. False reporting from Portfolio Recovery Associates has caused more damage to me proving credit worthiness when needing new credit to provide housing for my family. I have done my part in properly asking for proof that this alleged debt is mine.

Company response to consumer: Closed with non-monetary relief