Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
NOTICE OF CLAIM, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Legal Notice of Intent to Sue and File Commercial Lien Re : Formal Demand for Criminal Investigation, Forensic Audit, and Enforcement Action Subject : Account No. XXXX Alleged Fraudulent Debt, Tax Reporting Violations, and RICO Predicate Acts Constructive Notice Under Public Policy, Common Law, and Commercial Law Principles Pursuant to UCC 1-202, UCC 1-308 , and the Maxims of Equity and Good Faith Silence is Acquiescence. Failure to Rebut is Agreement. Tacit Consent is Presumed After 21 Days. 
RE : Formal Demand for Criminal Investigation, Forensic Audit, and Enforcement Action Subject : Account No. XXXX Alleged Fraudulent Debt, Tax Reporting Violations, and RICO Predicate Acts To Whom It May Concern, I submit this formal complaint and demand for immediate federal intervention into the ongoing fraudulent activities of PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA ) and XXXX XXXX XXXX  ( XXXX ), XXXX. involving : False credit reporting Tax evasion and fraudulent XXXX non-filing Securitization and double recovery fraud FCRA and FDCPA violations RICO predicate offenses including mail and wire fraud This complaint supplements an existing submission filed with the Consumer Financial Protection Bureau ( CFPB ) and hereby establishes public record NOTICE OF CLAIM, DEMAND FOR SETTLEMENT, and INTENT TO SUE AND FILE COMMERCIAL LIEN in the amount of {$250000.00}, due upon demand. If no response is received within 21 days, I will proceed under UCC Article 9 secured lien enforcement.

1. Failure to File IRS Form 1099C Tax Reporting Violation Under 26 U.S.C. 6050P, PRA was required to file a 1099C for discharged debt exceeding {$600.00} and furnish the same to me by XX/XX/XXXX of the following year. No such filing exists. 
I have submitted : IRS XXXX XXXX XXXX suspected tax fraud IRS Form XXXX Confirming no XXXX was issued This constitutes willful non-compliance, potential tax evasion, and violates XXXX XXXX, XXXX. This matter demands immediate referral for IRS XXXX investigation. 

XXXX. XXXX XXXX Notice XXXX, XXXX & XXXX XXXX Violations XXXX unlawfully securitized and transferred my alleged debt without providing mandated disclosures under : Truth in Lending Act ( TILA ) Securities XXXX of XXXX GAAP principles This omission further invalidates the debt and constitutes constructive fraud. I demand a full forensic audit of any transfer records, chain-of-title, and ownership assertions. 

XXXX. XXXX XXXX XXXX FCRA and FDCPA Violations The continued reporting of an invalid, XXXX, or unverified debt constitutes violations under : XXXX U.S.C. XXXX ( FCRA ) Inaccurate and obsolete information XXXX U.S.C. XXXX ( FDCPA ) Failure to validate and cease reporting Despite charge-off and dispute, XXXX continues XXXX furnish negative tradelines, which constitutes willful harm to my credit and financial position. 

XXXX. Mail and Wire Fraud XXXX Predicate Acts XXXX continues to send collections notices bearing its logo in violation of XXXX U.S.C. XXXX ( XXXX ) and communicates via XXXX mail and electronic platforms, meeting the elements of : XXXX XXXX. XXXX Mail XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Violations These actions demonstrate a coordinated enterprise using fraudulent means to extract payments and misrepresent legal status of alleged debts. 

XXXX. Specific Harassment and Coercion by XXXX XXXX XXXX communications from XXXX XXXX, Employee ID XXXX XXXX, have constituted unlawful harassment, coercion, and duress. This violates : FDCPA XXXX, XXXX, and XXXX Criminal harassment statutes applicable under state and federal law I request immediate disciplinary action and cessation of all contact from this individual. 

XXXX. Formal Demand for Redress, Cease & Desist, and Remedies I hereby demand : Immediate removal of all negative credit reporting entries Cease and desist all collection, sale, transfer, and reporting activities Full forensic accounting audit and chain-of-title disclosure IRS referral and enforcement XXXX for XXXX fraud Referral for DOJ, FTC, and SEC XXXX under XXXX, XXXX XXXX FCRA, FDCPA XXXX monetary settlement in the amount of {$150000.00} or a UCC lien will be perfected XXXX XXXX Reservation of Rights All rights are expressly reserved under : UCC XXXX Without prejudice XXXX XXXX. XXXX, XXXX Civil Rights Deprivation and Conspiracy Federal Tort Claims Act ( XXXX ) remedies Constructive Trust and XXXX XXXX doctrines Conclusion and Request for Agency Response Please confirm receipt of this NOTICE and specify which federal agency will take jurisdiction over enforcement and restitution. I am prepared to submit documentation, sworn affidavits, and appear for deposition, testimony, or court proceedings. 
Thank you for your prompt attention to this matter of public and legal interest. 

Respectfully, XXXX : XXXX, XXXX XXXX for XXXX XXXX

Company response to consumer: Closed with non-monetary relief