Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am a federally protected consumer as defined by 15 USC 1692a ( 3 ). PORTFOLIO RECOVERY ASSOCIATES , LLC ( hereinafter PRA ) is a debt collector as defined by 15 USC 1692a ( 6 ). I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO PRA AND I DO NOT CONSENT TO CONTRACT. PRA communicated with me in an attempt to collect an alleged via USPS without my consent. On XX/XX/2022 I received this communication dated XX/XX/2022 labeled EXHIBIT A. I responded to the harassing communication with a PROOF OF MAILING, DEBT VALIDATION NOTICE, CEASE AND DESIST NOTICE, BILL OF PARTICULARS, and EXHIBIT A. All of which were certified mailed with a green receipt on XX/XX/2022 and received on XX/XX/2022. The green receipts have not been returned to me yet but I have proof of delivery via certified tracking # : XXXX XXXX XXXX XXXX XXXX. PRA had 5 days from receipt to proof for me to see that validates their alleged claim in which they failed to do so. I am in receipt of a letter on XX/XX/2022 dated XX/XX/2022 which is 11 days past deadline. The communication labeled as EXHIBIT B did not validate this alleged debt as it did not provide proof requested thus continuing to harass me about an alleged debt not owed and failing to comply with cease and desist. The communication failed to reference deletion of my information and inclusion of a check in US funds for the amount of {$5000.00} for violations of 15 USC 1692k.

As a debt collector, PRA must comply with the following provisions and failed to do so and is in violation of 15 USC 1692k : 1. 15 USC 1692c ( a ) - PRA communicated with me without me giving direct consent to do so 2. 15 USC 1692e ( 2 ) ( A )- PRA uses false character amounts as I am unable to pay on a positive balance.

3. 15 USC 1692j ( a ) - PRA furnished a deceptive form via USPS to deceive me into believing I owed an alleged debt 4. 15 USC 1692e ( 10 ) - PRA used a deceptive letter in an attempt to collect an alleged debt 5. 15 USC 1692e ( 8 ) - PRA threatened to report information about an alleged debt known to be false to the consumer reporting agencies, credit bureaus as PRA refers to them which is also false and misleading.

PRA continues to violate 15 USC 1692k by failing to comply with the following provisions : 1. 15 USC 1692c ( c ) - letter received is harassing and breaches cease desist by failing to validate this alleged debt nor grant remedy requested 2. 15 USC 1692e ( 10 ) - ( a ) PRA refers to themselves as a creditor which is false and misleading because I have never done business with PRA. ( b ) PRA admits to being in possession of a file with my personal information in which they do not have my consent.

PRA is in violation of 15 USC 1692k for individual actions and causing stress and mental anguish resulting in medication.

As a federally protected consumer should I have to invoke my consumer rights and hold PRA civilly liable for violations of 15 USC 1692k, the UNITED STATES DISTRICT FOR THE XXXX XXXX COURT OF GEORGIA XXXX DIVISION is a competent court that holds jurisdiction given that these are federal laws and is correct venue because my place of abode is in XXXX XXXX in XXXX, GA.