Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with XXXX XXXX XXXX, XXXX. My name is XXXX XXXX and I am making this complaint against XXXX XXXX XXXX, XXXX for committing identity theft and committing multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have no recollection of authorizing or giving XXXX XXXX XXXX, XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim I owe. I am fully aware that the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with XXXX, XXXX and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2024, I have not received any documentary evidence, such as a trilateral contract, giving XXXX, XXXX any right to collect on this alleged debt. I have also never received any documentation requesting validation from XXXX, XXXX before they decided to commit multiple federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report. This is debt parking and it is illegal. If XXXX, XXXX can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. I gave XXXX XXXX no permissible purpose to furnish anything to my report or did I receive notice of the right to dispute. I would also like to add the notation that CAPITAL ONE NA DID NOT LEGALLY OR EXPRESSIVELY OBTAIN MY CONSENT TO SELL, TRANSFER, ASSIGN, NOR DISCLOSE ANY NON PUBLIC PERSONAL INFORMATION PERTAINING TO THIS ACCOUNT WITH XXXX XXXX OR ANY OTHER THIRD PARTY. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for arbitration and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief