Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Regarding systematic exclusion and marginalization, sustained by a society and institutions that thrive on the poverty of certain groups this is a time where criminals are taking advantage of chaos and contributing to economic inequality- it it seen in how societies treat others. Collective, systematic, corporate, oppressive, corruption and evil prevents prosperity. The XXXX operation, disproportionately affected certain communities in the United States XXXX XXXX, Indigenous, homeless, falsely imprisoned, rural communities, communities of XXXX were hit the hardest economically - nothing new and this has impacted health. Marginalized communities are often the go to used by abusers for financial gain. 

Portfolio Recovery Associates, Portfolio Recovery Associates , LLC, Portfolio Recovery Associates XXXX XXXX, XXXX, XXXX XXXX, known as PRAA on XXXX ), PRA Group XXXX XXXX, XXXX, XXXX, PRA Receivables Management , LLC, XXXX XXXX I, XXXX. PRA Group XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX. SSN and email alerts received on XX/XX/XXXX. XX/XX/2024, I received an alert from XXXX stating " A new account PORTFOLIO RECOVERY XXXX was opened in my name. CFPB was notified. I am subscribed to a comprehensive identity theft protection program through XXXX, which I pay for monthly. This program is advertised as providing robust protection for sensitive data which includes monitoring XXXX market sites, tracking data breaches, overseeing fictitious identities, sending alerts for credit inquiries, scanning records, verifying and updating data, and offering restorative services. I am a victim of identity theft and have an extended credit alert on file, along with identity theft protection coverage. This error should be promptly deleted from my XXXX credit report. I received an alert from XXXX stating " A new account **** XXXX with PORTFOLIO RECOVERY XXXX XXXX opened in your name.The Debt Buyer Account account was opened on XX/XX/2024. If you don't recognize this activity, contact PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, XXXX, VA XXXX where the new account was opened in your name. '' CFPB was notified of this company. In addition, XXXX identity theft identity theft comprehensive program protects sensitive data just as a financial institution to include surveillance of XXXX market sites, data breaches, monitoring of fictitious identities, alerts of credit inquiries, scanning any records, verification and changes of data and restorative services. I am a victim of identity theft, there is an extended credit alert on file along with identity protection coverage and this error should be deleted from my XXXX report. XX/XX/XXXX I received alerts from XXXX and XXXX XXXX XXXX account. {$14000.00} past due as of XX/XX/2024. I purchased XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX which comes with 100 % full identity theft restoration services. Yet unfortunately, I've still been hampered by negative marks on my credit report, which have become significant barriers to moving forward. The negative marks put on my credit reports are covered under identity theft insurance - I pay $ XXXX month. Despite this, I find myself grappling with unresolved identity theft issues, compounded by discriminatory practices within the system. I filed CFPB complaints which have gone unanswered which requested XXXX XXXX XXXX to stop the retaliatory, illegal and unauthorized data brokering. I wrote a grievance with CFPB which requested they not intentionally block my identity theft claim for the removal of detrimental marks on my credit report. I have a negative mark of a medical collection ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX etc XXXX  ) from a XXXX XXXX XXXXr targeted and hit my offspring with a vehicle in broad daylight after they left XXXX and XXXX jail XXXX ( XXXX ) after violating 18 US Code Section 1389. Despite investing in identity theft insurance and considering myself a victim of hate crimes and fraud defending against years of illegal fair game aka organized crime, collective systematic, unAmerican terrorism operations, housing discrimination, obsessive interstate and local stalking, outside agitators, vandalism, extremism, harassment, invasive privacy violations, human and natural civil rights violations, covert corporate bullying, intimidation, schemes, exploitation, intentional mail " inconveniences '', identity theft, death threats, XXXX XXXX XXXX XXXX attacking my family, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX towards my Female Veteran household - my identity theft claim which I qualify should be approved. 

This is an official written notice to you in response to a mark made on my XXXX and XXXX credit XXXX XXXX Be advised, this is a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that the record you placed on my credit report is disputed and validation is requested. This is NOT a request fro " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section, I respectfully request that your office provide me with the competent evidence that to validate any legal obligation to pay this UNVERIFIED account. Provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide a verification or copy of any judgement, if applicable Identify the original creditor Prove the STATUE OF LIMITATIONS has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute FRAUD under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collections Practices Act Defamation of Character If your office ( XXXX ) are able to provide all the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any actions is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be INACCURATE or INVALIDATED or verifying an account as accurate when in fact there is no provided proof that it is. If your office ( XXXX ) fail to respond to this written validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone, email, fax, text contact be made by your office ( XXXX ) to my home, family, friends nor employer. If your offices attempt communication with me, including but not limited to computer generated XXXX XXXX via any third party, it will be considered continued harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

This collection agency is in violation of the FDCPA ( XXXX ) however, provide me with the following : What the money you say I owe is for XXXX, XXXX and show me how you calculated what you say I owe Provide a verification or copy of any judgement, if applicable Identify the original creditor Prove the STATUE OF LIMITATIONS has not expired on this account Show me that you are licensed to collect in my state of California - false imprisonment doesn't determine residency. Provide me with your license numbers and XXXX XXXX Requesting the removal of the item from XXXX and XXXX. 

I have been a part of numerous malicious retail equation defamation, systematically attacking my family, XXXX driver corruption and " mistakes '' with real-life damaging consequences on my targeted family, data brokering, kickback, XXXX, data breaches over the years resulting in credit, defamation, financial and other damages. I have filed consumers complaints to rectify mistakes on my credit report. I have identity theft insurance with the credit bureaus. Despite my repeated complaints over the years, errors, mistakes, inaccuracies still appear on my credit reports. The restorative services that come with the identity theft insurance have not made it whole again from distressing loss, injuries, damages over the years. Many times I have been sent ambiguous, confusing, deceptive responses with burdensome instruction, impossible and overcomplicated request, and there are unreasonable demands for personal information that were already provided to the agency, with sufficient supporting documentation ; when I try to enforce my rights afforded to me as Veteran by federal law. There are constant hurdles to drag out issues and prevent resolution.

Company response to consumer: Closed with explanation