Consumer complaint received 2016-10-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I allege Portfolio Recovery Associates , LLC ( will be further referenced as PRA, LLC in this complaint to save space ) has violated several provisions of the Consumer Financial Protection Act of 2010 ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), & Telephone Consumer Protection Act ( TCPA ) and which may include other violations not included in this complaint due to limited space. 
I am unable to attach the following document into evidence but would like to submit into evidence the United States of America Consumer Financial Protection Bureau Administrative Proceedings File : XXXX Consent Order Filed XXXX/XXXX/XXXX in evidence as supportive evidence into my complaint claim. 
First, PRA violated 15 United States Code Sub Section 1692c by several calls using an Auto Dialing Call System at inconient and inappropriate times to include during family members hospitalization and funerals despite being told numerous times to quit calling my cell phone ( TCPA ) which is also a violation of Section 805 ( a ) ( 1 ) of the FDCPA. 
I allege, PRA would call in excess of 4-5+ times a day even after requesting to cease all calls via my cell phone. Those requests were not followed through and would be used as form of harrassment. FDCPA is a law that clearly states out provisions preventing debt collectors from calling at " unusual '' or " inconvenient '' times and can be supported by Cell Phone Record History that is time stamped. 
Secondly, I allege PRA violated several provisions in the Consumer Fincial Protection Act ( CFPA ). PRA engaged numerous acts of " unfair, deception, or abusive act or practices '' of the CFPA 12 USC Subsection 5531 & 5536 ( a ) ( 1 ) ( B ). PRA would never despite even recent requests to dispute, challenge or call into the question of the validity of the alleged debt in question, PRA would never provide ANY documentation correct or incorrect to validate the debt but still would misrepresent the account on Credit Reports as an active, revolving account with PRA in attempts to collect the debt. Reporting inaccurate information is unfair, deceptive and an abusive act of using credit reports in a false manner in order to harm consumers and influence them to pay a debt despite never having that alleged debt dispute validiated. PRA representatives would also allege/threaten legal action if not paid by a certain date ( Several subsections in Section 807 FDCPA 15 USC 1692e here. PRA also engaged in many other forms of false and/or misleading, deceptive acts or practices in violation the the Sections 1031 ( a ), 1036 ( a ) and many others provided under CFPA 12 USC Subsection 5531 ( a ) 5536 ( a ) and others. 
I request that PRA ( 1 ) follow ALL requirements in the Consent Order, ( 2 ) immediately cease all debt collection practices to include the deletion and removal all credit reporting agencies ( 3 ) communicated via mail or via CFPA response within 15 days ( 4 ) the Repayment of and Eligible Restitituion afforded to me from PRA acting in so many violations in accordance to the law or specifically spelled out in the XXXX Consent Order. I submit my complaint to be true to the best of knowlege.