Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

PORTFOLIO RECOVERY IS TRYING TO MAKE ME PAY A DEBT I DO NOT OWE, THEY DIDN'T SEND ME ANYTHING THIS ACCOUNT JUST APPEARED ON MY CREDIT PROFILE, I SENT THEM A LETTER RECEIVE NO RESPOND AFTER 60 DAYS, PLUS THIS COMPANY HAS CALLED MY SISTER WHO STATED SHE WASNT ME AND STILL STARTED TELLING HER THINGS THAT I DONT LIKE TO PAY MY BILLS, ASKED HER FOR MY JOB NUMBER, THREATEN TO SUE ME AND ETC .AFTER SHE EXPLAINED AGAIN IT WASNT ME AND THAT WAS NOT MY CONTACT INFORMATION THEY CONTINUED TO CALL AND WHEN SHE BLOCKED THE NUMBER THEY STARTED HARASSING HER FROM OTHER NUMBERS UNTIL SHE BLOCKED THEM. THIS IS AGAINST THE LAW, I SENT THEM A DEBT VALIDATION LETTER AND THEY SENT NOTHING IN RETURN, I EXPLAINED A BILL ISNT VALIDATION SO DON'T SEND ME A BILL THEY NEVER REPLIED .THIS IS REALLY UNLAWFUL, THEY NEED TO BE STOPPED FOR THESE UNFAIR TACTICS & PRACTICES THEY'RE USING TO MAKE PEOPLE PAY A DEBT THAT DONT BELONG TO THEM. 


I AM ASKING THIS COMPANY PLEASE VALIDATE THIS DEBT It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe,  please COMPLETELY document and verify the debt, in which you reference to the above account. In regards to this alleged debt, I am sending this letter to request the following documented information from your company : I would like this agency to provide me with the following information in accordance with the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] 1. ) The original or certified copy ( NOT a photocopy ) of the parse syntax grammar document contract signed by the authorized representative of your agency and autographed by myself, that each individual entered into knowingly, intelligently, with full disclosure, and with a meeting of the minds saying that I owe you or your agency payment of this alleged debt, with both your agencies authorized representatives wet ink signature and my wet ink signature. 
2. ) Proof that this debt has not been wrote off to an insurance company and claimed as a business loss and redeemed through an insurance claim by the original creditor.

3. ) Proof that this debt has not been sold to your agency for a lesser amount, and if so the amount your company purchased the alleged debt for.

4. ) Your agencies license to lawfully and legally collect debt in the state of LOUISIANA and provide me with your agencies license number.

5. ) Validation of the alleged debt ( the actual accounting showing a loss to your agency ) and the CUSIP number of the alleged debt along with a copy of a completed XXXX and Total Amount Due statement. 
6. ) Verification of your agencies claim against me ( either a sworn affidavit or a hand-signed invoice ) 7. ) The original or a true and certified copy ( NOT a photocopy ) of the Original Note or Promissory Note ( Credit Agreement ) under penalty of perjury, that I have with your agency showing my agreement to pay to your company this alleged debt. 
8. ) The name of the authorized representative from your agency who has carried out due diligence and what actions s/he has taken in regards to this alleged debt. 
9. ) The contract between your agency and the original alleged creditor saying they gave your agency authority to collect the alleged debt with both agencies authorized representatives wet ink signature. 
10. ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or proof I was given FULL disclosure of any contract signed between your agency and the alleged creditor. 
11. ) Also, pursuant to P.L. 93579, Approved XX/XX/1974 ( 88 Stat. 1896 ) Privacy Act of 1974 SEC. 7. [ 5 U.S.C. 552a note ] " ( b ) Any Federal, State, or local government agency which requests an individual to disclose his/her social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. '' I, hereby demand FULL disclosure of why the social security number assigned to me is used by this agency and what the purpose is this agency uses the social security number. 
12. ) The process of how your agency calculated in the fees and interest attached to the alleged debt, if any, and the proof of where I agreed to pay such fees and interest. 
13. ) Proof the Statute of Limitations has not expired on this account. 
14. ) Verification, if any, that your agency did or did not purchase alleged debt from another debt collection agency.

15. ) Verification, if any, of tax deductions and/or tax-write offs made by your agency or any alleged creditor in regards to this alleged debt. 
16. ) Any derogatory reports made by your agency to any credit bureau agency. 
17. ) Verify that there is available lawful money to actually pay alleged debt as per the Constitution for the United States, Article 1 section 10 Clause 1. 
18. ) If the original creditor is a government agency, ( i.e. County, state, municipal court ) please provide proof that they are following their oath of office to uphold the Constitution for the United States of America by only asking for gold or silver coin for payment of this debt as per Article 1 section 10 Clause 1 of the Organic Constitution for the United States of America. 
19. ) Please send me information on my common law remedy to lawfully pay this alleged debt if found that I do lawfully owe any debt to your agency, and my remedy to lawfully pay this debt. 
20. ) Please send me any verification that Federal Reserve Notes is lawful money that can be used to actually pay off this alleged debt. 
PORTFOLIO RECOVERY IS IN Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act