Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. Today I received a notification on my credit report that Portfolio Recovery Associates reported an account I have no knowledge of. ( XXXX XXXX ) for {$1600.00}. I previously had problems with this company where they previously reported an account that was inaccurate and lacking documentation. Without verifying the debt, portfolio tried to collect payments by pressuring me with false statements and ridiculous claims of a lawsuit using robo-signed court documents. They closed that account after I clearly proved to them that the account did not belong to me and filed a complaint with the CFPB AND XXXX. Please refer to CFPB COMPLAINT # XXXX ... Portfolio sent me a letter dated XX/XX/XXXX stating that the tradeline was closed and removed from all credit reports.. Now they're stating that there is a another new account with a new account number. The previous account that was closed ended in account number XXXX. I called them today and spoke with two different representatives on a recorded line.. they both stated to me that the complaint that I had made previously was regarding another account and that they just purchased this new debt in XXXX?? .. I stated to them that I sent them a letter regarding the false new account and they need to use the documentation that included my FTC affidavit notarized and signed with my police report as I was a victim of identity theft and the girls stated to me that the debt buyer just bought this new account for pennies on the dollar in XXXX and their job is to collect on it aggressively. Portfolio Recovery Associates knows this information is inaccurate and can not be legally enforced based on disclaimers, past practices of debt sellers, or my consumer dispute. They have all my supporting documentation on file!! This is a violation of Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Portfolio Recovery Associates needs to close and delete this tradeline off of my credit report. This is also a violation of the fcra 605b identity theft law. Should they not remove this tradeline I will pursue with a lawsuit. I have supporting documents where that supports my dispute and they have yet to prove to me that this account is mine. I will also take this to the media should not this not be resolved because I am exhausted calling them trying to get this account resolved closed and deleted!!! I also sent them a cease-and-desist request to discontinue the phone calls and the letters that they are continuously sending to me and calling my place of employment and they have went against the law of the cease and desist which both representative stated that they do have on file and completely ignored it. My information is listed below : this has gone way too far that they're allowed to continuously break the laws like this.. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief