Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnishers of information to credit agencies ) is a financial institution by definition under the title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of Information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX, XXXX do not have my written consent. In addition, I the consumer have protection under the following 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681o-Civil Liability for negligent noncompliance 15 U.S. Code 1681n-Civil Liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the CONSUMER as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least {$1000.00} PER VIOLTION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. If you have to file more than 1 complaint of the violations after you complained the 1st time. 

The above Fair Credit Reporting Act is just a small fraction of the violations against I the consumer. All the violations above are currently on my credit report and have not been removed to date. I am requesting enforcement of these violations. I have sustained emotional distress, anxiety, and a considerable amount of stress due to the negligence of the reporting agencies XXXX XXXX and XXXX. I have also suffered significant financial lost due to the continued violations of my rights under the FCRA after informing in writing certified return receipt XXXX, XXXX, and XXXX of these violations. They are still reporting these inaccuracies. 

On XX/XX/XXXX  three dispute letters requesting removal of incorrect reporting information was sent out via US Postal Service Certified Mail Receipt to XXXX which I will attach. 

In addition dispute letters was sent to XXXX XXXX XXXX on XXXX, Portfolio Recovery on XXXX, and XXXX XXXX XXXX XXXX on XXXX. These companies are in violation of my rights listed above. These item are presently still reporting to XXXX. I demand they be removed. I also demand under 15 US Code 1681 compensation for will full non compliance {$1000.00} for each violation in addition to {$1000.00} for all damages I have sustained as a result of their failure to follow the law. I have enclosed a invoice with all violations and compensation required. I appreciate your help in this matter and would like this resolved as soon as possible. The willfull act of the parties above caused severe stress and financial lost that is still consistent present day.

Company response to consumer: Closed with explanation