Consumer complaint received 2024-02-16 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: MI

Complaint narrative:
account of {$670.00} to my XXXX XXXX and XXXX consumer reports with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with portfolio recovery associates On XX/XX/XXXX Portfolio Recovery Associates reported an collection account of {$430.00} to my XXXX XXXX and XXXX XXXX reports with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with portfolio recovery associates Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or neither have they obtained any proper permissible purpose from me the consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( XXXX ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for Portfolio Recovery To continue to furnish this alleged debt on to my consumer reports. 

Portfolio Recovery Associates , LLC, defined as a non-affiliate third party by 15 USC 6809 ( 5 ), has committed identity theft under XXXX XXXX. The original creditor, a financial institution per GLBA 15 USC 6809 ( 3 ) ( A ), lacked my consent to share personally identifiable financial information with Portfolio Recovery Associates , LLC, violating 25 USC 6802 ( b ). This includes fraudulent acquisition of my non-public personal information, defined by 15 USC 6809 ( 4 ), for debt collection, constituting an unfair practice under XXXX XXXX. Furthermore, Portfolio Recovery Associates , LLC illicitly disclosed my financial information to consumer reporting agencies, ( XXXX XXXX and XXXX etc ) violating my privacy rights and potentially constituting crimes under 18 USC 894 l, 18 USC 242. And The Privacy Act of XXXX Additionally, I as a federally, protected consumer am now resending all authorization, may have given ( knowing and unknowing verbal, nonverbal, written, non-written ) to Portfolio Recovery Associates or any of its affiliates effective immediately and indefinitely Per 15 USC 6802 Lastly, per 15 usc 6802 I lawfully opt out of Portfolio Recovery Associates reporting or furnishing any data on my behalf at any time or at any place including but not limited to my XXXX XXXX and XXXX XXXX reports.

Company response to consumer: Closed with explanation