Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Public notice. 



* * FINAL LEGAL DISPUTE AND CEASE & DESIST DEMAND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL ORDERMANDATORY VERIFICATION OR IMMEDIATE DELETION OF DISPUTED ACCOUNT UNDER FEDERAL AND NATURAL LAW * * -- * * TO WHOM IT MAY CONCERN : * * This document constitutes a * * Final, Binding, and Legally Enforceable * * order under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 ) * * * * Natural Law * *,, and * * Property Rights Law * *. 
* * You are ORDERED * * by lawto * * verify * * all disputed data, or * * permanently remove * * the following * * immediately * * : - All * * inaccurate * * * * unverifiable * *,, or * * illegally reported * * accounts, inquiries, remarks, late payments, or flags on my credit profile * * within 30 days * *. 
-- - # # * * LEGAL REQUIREMENTS AND PRINCIPLES : * * * * 1.

* * * * 15 USC 1681b ( 2 ) : * * * You must * * * obtain lawful, signed, explicit consent * * to * * report or inquire about * * any account.

* Any data * * * lacking * * * * valid lawful authority * * * * must * * * * be removed * *.

* * 2.

* * * * 15 USC 1681i ( a ) ( 1 ) : * * * Disputed accounts * * * must * * * * be verified * * * * by the original, lawful, authentic documentation * * * * within 30 days * *.

* Failure to verify * * * * properly * * * * mandates * * * * automatic removal * *. * * 3.

* * * * 15 USC 1666b : * * * Late payments * * * must * * * * be supported by lawful, verified evidence * *. 
* Unverified late payment flags * * * * must * * * * be corrected to " paid on time '' * * * * or * * * * removed * *.

* * 4.

* * * * Property and Sovereignty Law : * * * Your reporting and investigations * * * must * * * * respect lawful ownership * * * * and due process * *. 
* Any unlawful or unsupported claim * * * * violates * * * * natural law * * and * * property rights * *. 
-- - # # * * DEMANDS IMMEDIATE & FINAL : * * - * * Within 14 days, * * delete or verify * * all disputed entries * * using certified legal proof * * * * original signatures, notarized documents, or lawful evidence * *. 
- * * Cease reporting * * * * any * * * * unverified * * data * * immediately * *. 
- * * Update * * * * all * * * * late payments * * * * to * * * * '' paid on time '' * * * * if * * * * proper proof * * * * can not * * * * be provided beyond the legal reporting period * *. 
- * * Provide comprehensive written confirmation * * * * within the legal period * * of * * full compliance * *. 
-- - # # * * LEGAL CONSEQUENCES : * * Failure * * to comply fully and promptly * * * * constitutes a violation * * of * * federal law * * and * * property rights * *. 
* * I reserve * * the right * * to pursue damages, penalties, fines, and legal action * * including * * civil and criminal remedies * * without further notice. 
-- - # # * * THIS IS AN ABSOLUTE FINAL ORDER * *. 
* * You are instructed * * to * * respond in writing * * * * within 30 days * * confirming * * all deletions and corrections * *. 
* * Failure * * * * to * * * * comply * * * * will be * * * * considered willful violation * * and * * used as evidence * * in * * court proceedings * *. 
-- - * * Respectfully and LawfullyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINAL ORDERMANDATORY VERIFICATION OR IMMEDIATE DELETION OF DISPUTED ACCOUNT UNDER FEDERAL AND NATURAL LAW TO WHOM IT MAY CONCERN : This document constitutes a * * Final, Binding, and Legally Enforceable * * order under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 ) * * * * Natural Law * *,, and * * Property Rights Law * *. 
* * You are ORDERED * * by lawto * * verify * * all disputed data, or * * permanently remove * * the following * * immediately * * : - All * * inaccurate * * * * unverifiable * *,, or * * illegally reported * * accounts, inquiries, remarks, late payments, or flags on my credit profile * * within 30 days * *.

-- - # # * * LEGAL REQUIREMENTS AND PRINCIPLES : * * * * 1.

* * * * 15 USC 1681b ( 2 ) : * * * You must * * * obtain lawful, signed, explicit consent * * to * * report or inquire about * * any account. 
* Any data * * * lacking * * * * valid lawful authority * * * * must * * * * be removed * *.

* * 2.

* * * * 15 USC 1681i ( a ) ( 1 ) : * * * Disputed accounts * * * must * * * * be verified * * * * by the original, lawful, authentic documentation * * * * within 30 days * *.

* Failure to verify * * * * properly * * * * mandates * * * * automatic removal * *. * * 3.

* * * * 15 USC 1666b : * * * Late payments * * * must * * * * be supported by lawful, verified evidence * *.

* Unverified late payment flags * * * * must * * * * be corrected to " paid on time '' * * * * or * * * * removed * *.

* * 4.

* * * * Property and Sovereignty Law : * * * Your reporting and investigations * * * must * * * * respect lawful ownership * * * * and due process * *. 
* Any unlawful or unsupported claim * * * * violates * * * * natural law * * and * * property rights * *. 
-- - # # * * DEMANDS IMMEDIATE & FINAL : * * - * * Within 14 days, * * delete or verify * * all disputed entries * * using certified legal proof * * * * original signatures, notarized documents, or lawful evidence * *.

- * * Cease reporting * * * * any * * * * unverified * * data * * immediately * *.

- * * Update * * * * all * * * * late payments * * * * to * * * * '' paid on time '' * * * * if * * * * proper proof * * * * can not * * * * be provided beyond the legal reporting period * *.

- * * Provide comprehensive written confirmation * * * * within the legal period * * of * * full compliance * *. 
-- - # # * * LEGAL CONSEQUENCES : * * Failure * * to comply fully and promptly * * * * constitutes a violation * * of * * federal law * * and * * property rights * *. 
* * I reserve * * the right * * to pursue damages, penalties, fines, and legal action * * including * * civil and criminal remedies * * without further notice. 
-- - # # * * THIS IS AN ABSOLUTE FINAL ORDER * *. 
* * You are instructed * * to * * respond in writing * * * * within 30 days * * confirming * * all deletions and corrections * *. 
* * Failure * * * * to * * * * comply * * * * will be * * * * considered willful violation * * and * * used as evidence * * in * * court proceedings * *. 
-- - * * Respectfully and Lawfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief