Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the new Rule REGULATION F which took effect XX/XX/year>, You { Portfolio Recovery Associates , LLC } you have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile XXXX XXXX XXXX. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { Portfolio recovery Associates , LLC } XXXX XXXX XXXX ( c ) Ceasing communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX Says you { Portfolio Recovery Associates , LLC } are a furnisher of information to a consumer reporting agency. You ARE PROHOBITED BY LAW to furnish inaccurate information XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. The is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE XXXX Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX o and XXXX XXXX XXXX. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Account name Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief