Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company violates too many rules and regulations for me to just choose XXXX category. This will be my XXXX complaint against this company after taking every step imaginable to resolve this debt. They still have n't replied to my most recent complaint with you. After complaining with you, the credit reporting bureaus, this company, and the XXXX, this company started inundating me with paperwork, none of which adequately validated the debt. I also contacted the XXXX, and they sent me an account number ending in the last XXXX digits that are different from the ones that this company has been sending me as a validation attempt. I am more than willing to provide that letter to you. I also contacted the company 's president, Vice President, and ombudsman. Only the ombudsman replied. I can forward the email that I received from him to verify all I say is true as well as my responses and where I stated that I would be contacting you, the XXXX, and the States Attorneys Generals in XXXX and XXXX. The ombudsman 's reply to my complaint about how they were reporting to the credit bureaus was that it was the bureaus fault for misreporting and that they were not at fault. They were reporting themselves as a factoring agent instead of debt collector and also listed the account as late and open. I received this response after I had disputed this account with the credit bureaus, and Portfolio resubmitted the same information after my dispute. This account is still reporting the same as it was before and the onus was on them to correct. I also wrote in my complaint that I felt like they had added a default judgement that was entered against me as a form of retaliation when I disputed the account. I received a reply that that was beyond Portfolio 's scope and that the courts reported that information to the credit bureaus etc. I contacted the courts where the case was filed and was informed that this was false information as only the creditor or their lawyers could supply such information to the reporting agencies, and was also told they would contact both Portfolio and their counsel for providing misinformation. I knew the response was not truthful because as I stated this public record was not factoring into my credit account until after I reached out to Portfolio in XXXX 2015 to dispute this debt. The public record appeared immediately after this. Portfolio 's response was that it is not their responsibility, and all of this falls under the scope of the credit reporting agencies. In addition to this, I was reviewing some of the paperwork that I obtained, and I went over everything diligently. I have a copy of the affidavit of service that Portfolio supposedly delivered to me. This form was supposedly notarized in XXXX County, XXXX by a XXXX XXXX XXXX. When I checked for this person using the XXXX of XXXX database for the notary of public in XXXX county and XXXX, this person is not not listed. She is not listed for the state of XXXX at all. In addition to this, her seal does n't contain a commission number. I also looked at the person who signed for the summons and this person is listed as an XXXX XXXX. This person is also listed as a co-resident. I have never lived nor do I live with a person with this name. In addition to this they provide a physical description of a person who has never lived nor lives at my address. I believe that this is a fake document considering the information that I have supplied and considering that I had complained that I had n't been properly served. I can provide all of this information as well.

Company response to consumer: Closed with non-monetary relief