Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recover services has purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am a natural person which mean my name XXXX XXXX XXXX in all caps is not me. My name is XXXX XXXX 15 USC 1692 ( A ) ( 1 ) the term bureau means the Bureau of Consumer Financial protection. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  are nothing more than assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/year>, Congress enacted HJR 192 to suspend the Gold standard and to abrogate the gold clause. This resolution declared that Whereas the holding or dealing in gold affects the public interest, and are therefore subject to proper regulation and restrictions ; and whereas the existing emergency has disclosed that provision of obligations which purport to give the oblige a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency or in an amount in money is against public policy and every obligation heretofore incurred shall be discharged upon payments dollar for dollar, in any coin or currency which at the time of payments is legal tender for public and private debts. 15 US code 1681 ( 3 ) ( e ) ( e ) The term investigation consumer report means a consumer report or portion thereof in which information on a consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. A FTC fraud report will be filled. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. I opt-out of furnishing this offensive information to my report. As this is unfair and deceptive and abusive practices! I have never had a contract with you and if a contract does exist between Crystal Smith and you please bring it forward. 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 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST you 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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

Company response to consumer: Closed with explanation