Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. Portfolio Recovery Associates, LLC has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. 


Portfolio Recovery Associates, LLC has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. 

Portfolio Recovery Associates, LLC committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. 

Portfolio Recovery Associates, LLC also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation. 

Portfolio Recovery Associates, LLC was also sent a Bill of Particulars, Affidavit of Truth, and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c ( c ) ( 2 ). Portfolio Recovery Associates continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe. 

I demanded that Portfolio Recovery Associates, LLC send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). Portfolio Recovery Associates, LLC responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Portfolio Recovery Associates, LLC gave a response that was not sufficient as they did not provide all the information requested above. 

I have also contacted XXXX XXXX for the above information which I have yet to receive from them and XXXX XXXX also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. 

Portfolio Recovery Associates, LLC has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that Portfolio Recovery Associates, LLC stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. Portfolio Recovery Associates nor XXXX XXXX no longer has my written permission to furnishing my report with this false information. 

The United States government created a bond on me ( which is my birth certificate ) with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with XXXX XXXX. Security which covers all obligations or alleged obligations which is that of the United States government. 

Pursuant to 31 USC 3718 Portfolio Recovery Associates, LLC has to have a contract with the Treasury in order to even collect an alleged debt which Portfolio Recovery Associates, LLC does not have.

I also informed Portfolio Recovery Associates, LLC that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today Portfolio Recovery Associates, LLC is in default and the necessary actions are being taken against Portfolio Recovery Associates, LLC and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation