Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I've received a letter from Portfolio Recovery Associates , LLC dated XX/XX/XXXX as a response to my previous CFPB complaint sent on XX/XX/XXXX. The complaint number referenced is : XXXX. In that complaint I demanded Portfolio Recovery Associates , LLC to provide full disclosure and original accounting documentation proving their lawful right to continually report derogatory information to each of my consumer reports. The referenced account number is : XXXX. The referenced balance is : {$900.00}. I refuse to pay this alleged debt. No contract between Portfolio Recovery Associates , LLC and I, the consumer exist. I demand this information be deleted from each of my consumer reports immediately and permanently. I am in possession of photocopied/manufactured documents containing both false and misleading information. As a debt collector/buyer, Portfolio Recovery Associates is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. This act of non-compliance proves their willful negligence in continuing to report derogatory information to my consumer report that is both damaging and defamatory. Portfolio Recovery Associates has neither properly verified or validated anything according to law. Portfolio Recovery Associates , LLC is listing XXXX XXXX. as the seller of this information and themselves as the " present creditor ; both direct examples of fraud and intentional misrepresentation. These derogatory items actively reporting on my consumer reports are direct examples of libel. All of which are keeping me under duress. Portfolio Recovery Associates , LLC is acting with malice and reckless disregard. The bill of sale included in their documentation further displays their attempts at extortion and an outright display of an inequitable transaction that continues to cause harm to me as the injured party. According to Portfolio Recovery Associates , LLC documentation, XXXX XXXX charged off the alleged account, recorded such as company loss, received a tax break, sold it to Portfolio Recovery Associates , LLC for profit and never provided me with the IRS form 1099-c for tax purposes to claim as income on my taxes. It is a violation of law to report income on a consumer report. Again, how are these actions equitable to me, the consumer? It is not. If Portfolio Recovery Associates , LLC is in fact, the present creditor on this alleged debt, I will be requesting a forensic audit according to GAAP from the IRS. I will also be requesting a forensic audit. I am submitting IRS form 3949-A for both companies listed on Portfolio Recovery Associates , LLC documentation sent to me dated : XX/XX/XXXX. 

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN.

Company response to consumer: Closed with explanation