Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
-PORTFOLIO RECOVERY illegally sharing and reporting my personal and financial information ABOUT AN ALLEDGED that they REFUSE TO VALIDATE or CEASE AND DESIST to report. XXXX XXXX XXXX} AS OF XX/XX/year>. 
ACCORDING TO THE FEDERAL AND STATE LAWS, ANYTIME ANYONE IS USING YOUR PERSONAL AND FINANCIAL INFORMATION WITHOUT YOUR KNOWLEDGE OR CONSENT ITS CALLED IDENTITY THEFT. 

INDEED, MY PERSONAL AND FINANCIAL INFORMATION HAS BEEN ILLEGALLY STOLEN AND CONTINIOUSLY BEING USED FOR PERSONAL GAIN AND UNJUST ENRICHMENT BY THESE CORPORATIONS, COLLECTIONS AND CREDIT BUREAUS WITHOUT MY KNOWLEDGE OR MY CONSENT. EVEN AFTER MULTIPLE ATTEMPTS REQUEST TO VALIDATE THE ALLEDGED DEBT AND TO CEASE DESIST THESE UNLAWFULL PRACTICES. 

I HAVE NEVER EXPLICITLY OR VOLUNTARILY AUTHORIZED THE CREDIT BUREAUS OR ANY OF THOSE COMPANYS FOUND ON MY CREDIT REPORT TO USE MY INFORMATION IN ANYWAY CONTRARY TO THE LAW ; TO REQUEST, TO SEND OR TO SHARE ANY OF MY PERSONAL FINANCIAL INFORMATION WITH OTHER ENTITIES WITHOUT MY AUTHORIZATION. 

THEREFORE, IT IS MY RESPONSIBILITY TO PROTECT MY GOOD NAME FROM BEING WRONGFULLY DAMAGED BY UNLAWFULL INQUIRIES AND ILLEGAL REPORTING PRACTICES. 

According to the Fair Credit Reporting Act ( FCRA ) protects consumers ' privacy rights. Here are Some common violations of the FCRA include : 1 ) Unauthorized access When someone, such as an employer, landlord, or prospective creditor, accesses your credit report without your permission. 
2 ) Inaccurate information When creditors provide reporting agencies with inaccurate financial information about you.

3 ) Outdated information When agencies report old debts as new or report a financial account as active when it's closed.

4 ) Mixed files When credit reporting agencies mix up your file with someone else 's because of similar names or social security numbers. 
5 ) Failure to update reports When agencies fail to update reports after a bankruptcy is completed.

6 ) Failure to investigate disputes When credit bureaus fail to update or remove disputed items, even when consumers provide clear proof that a debt is resolved or inaccurate.

7 ) Impermissible report access When agencies pull your credit report for an impermissible purpose.

8 ) Failure to follow debt disclosure procedures When debt collectors rely on illegal responsible party clauses to report that THEY ARE a third party.

THEREFORE, PERSUANT TO THE FOLLOWING U.S. CODES OF THE LAW : 12 C.F.R. 1022.25, which pertains to Reasonable and simple method of opting out 12 C.F.R. 1022.26, which pertains to the Delivery of opt out.

18 U.S.C. 1028, which pertains to the Federal statute that covers identity theft, 15 U.S.C. 1681 a, which pertains to the Definitions : rules of construction 15 U.S.C. 1681 b, which pertains to the permissible purposes of consumer reports, 15 U.S.C. 1681c, which pertains to the requirements relating to information contained in consumer reports, 15 U.S.C. 1681c-1, which addresses identity theft prevention, fraud alerts, and Active-duty alerts, 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft, and 15 U.S.C. 1681c-3, which covers adverse information in cases of trafficking.

15 U.S.C. 6801, which pertains to the protection of non-public personal information, 15 U.S.C. 6802, which outlines the obligations with respect to disclosures of personal information, 15 U.S.C. 7001, which pertains to the provision in section 101 of the Electronic Signature in XXXX and XXXX XXXX XXXX. 

THEREFORE PURSUANT TO THESE LAWS I AM EXERCISING MY RIGHT TO EXPLICITLY DEMAND ALL THE CREDIT BUREAUS TO FORMALLY ACT IN THIER FIDUCIARY CAPACITY, TO REMOVE EVERY ILLEGAL REPORTS THAT I DIDN'T PERSONALY AUTHORIZED OR LAWFULLY HAVE A CONTRACT WITH.

Company response to consumer: Closed with explanation