Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am a victim of identity theft and have sent the required information to the
required consumer reporting agencies. It has since been past the 4 business
days required by law under 15 USC 1681c-2 and they have yet to block the
information. I also want to make abundantly clear that this report of identity
theft was not made in error by me, a consumer, as stated in 15 USC
168c2(c)(1)(A). I am seeking an immediate response from COMPANY NAME
in order to feel that this matter has been fulfilled to my satisfaction in
accordance with federal law.

I declare under penalty of perjury (under the laws of the United States, if
executed outside of the United States) that the foregoing is true and correct
to the best of my knowledge, Further, I certify that I am permitted by
FEDERAL and STATE LAW to file this dispute. I also am aware that knowing
and willful misstatements or omissions of material facts constitutes a
FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S.C.
1621. This item found within my credit report is not related to any
transaction that I made. I am alleging that a person or a company- without
my authorization or knowledge- used my personal identifying information to
apply for goods, services, or money; and was successful in creating this
account. This has caused me to suffer and its defamation of my character.

They have also violated the following:

15 U.S. Code  1681(e)(b) - Compliance procedures-ACCURACY OF REPORTWhenever a consumer reporting agency prepares a consumer report it shall
follow reasonable procedures to assure maximum possible accuracy of the
information concerning the individual about whom the report relates.

15 U.S. Code  1692g- Validation of debts (a) Notice of debt: Within five
days after the initial communication with a consumer in connection with the
collection of any debt, a debt collector shall, unless the following information
is contained in the initial communication or the consumer has paid the debt,
send the consumer a written notice containing- (2) the name of the creditor
to whom the debt is owed; I am the creditor under 15 U.S. Code 1692a so
the debt is owed to me.

15 U.S. Code 1692j- Furnishing certain deceptive forms (a) it is unlawful
to design, compile, and furnish any form knowing that such form would be
used to create a false belief in a consumer that a person other than the
creditor of such consumer is participating in the collection of or in an
attempt to collect a debt such consumer allegedly owes such creditor, when
in fact such person os not participating. I am not participating in the
collection of this alleged debt.

18 U.S. Code  1028(a)- Fraud and related activity in connection with
identification documents, authentication features, and information.2
(2)knowingly transfers an identification document, authentication feature, or
a false identification document knowing that such document or feature was
stolen or produced without lawful authority; (3)knowingly possesses with
intent to use unlawfully or transfer unlawfully five or more identification
documents (other than those issued lawfully for the use of the possessor),
authentication features, or false identification documents; (4)knowingly
possesses an identification document (other than one issued lawfully for the
use of the possessor), authentication feature, or a false identification
document, with the intent such document or feature be used to defraud the
United States;