Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has failed to honor my demand to remove reporting information due to violating my privacy rights according the FTC. They have furnished information about me to non affiliated consumer reporting agencies WITHOUT MY CONSENT. Portfolio Recovery Associates chooses to bully and harass me after I sent a cease to desist all communications by continuing to report information without my permission and sending continuous mail about this alleged debt to try to coerce me to pay. See attached proof from the United States Postal Service from Portfolio Recovery Associates and account reported. These are violations and their actions is based on assumptions, not facts. They do not use their business name on envelopes, they disguise it as XXXX XXXX. Once you open the envelope, it states Portfolio Recovery Associates on the letter. In addition, 15 U.S. Code 1692g - Validation of debts, sending me a statement or an account transfer does not validate this alleged debt. Portfolio Recovery Associates refuses to address the violations to remove this account reported on me to these non affiliated consumer reporting agencies per 15 U.S. Code 1692d - Harassment or abuse. Portfolio Recovery Associates has received a written demand from me opting out to sharing my information via CFPB, which is documented and it has been intentionally ignored. Yet, they are questioning where the abuse is. Portfolio Recovery Associates believes that they are above federal laws and their actions show they will stand by their violations. Portfolio Recovery Associates confirms that they aware of monetary damages that will be invoiced per each violation committed in our previous communications. Portfolio Recovery Associates must provide the following documentation according to the federal laws they are violating : 1. ) The written consent that justifies their continuation of aggravated identity theft to share any information about me according to 15 U.S. Code 6801 - Protection of nonpublic personal information. 2. ) A contract with a wet signature that shows that I agreed to sharing my information. 3. ) A contract with both parties ( consumer and Portfolio Recovery Associates ) that gave me the opt out clause per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 4. ) Provide documentation from the FTC confirming that you are allowed to report information about me to non affiliated third party consumer reporting companies without my consent. 5. ) I demand per UCC 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, providing an audit trail. Show the creditor listed generated the money and loaned it out. I did not give Portfolio Recovery Associates permission per 15 U.S. Code 1693l - Waiver of rights. The attorney general is receiving a copy of all communications in regards to your violations of my rights to privacy. Portfolio Recovery Associates does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited. Portfolio Recovery Associates was never allowed without my permission to share data. Portfolio Recovery Associates shared my information to non affiliated third party consumer agencies, also known as financial institutions and private, for-profit companies, without my permission. Here are violations ( {$1000.00} each in damages ) acted by Portfolio Recovery Associates : 15 USC 1693I -Waiver of rights, 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692d ( 3 ) 15 U.S. Code 1692d - Harassment or abuse,18 U.S. Code 894 - Collection of extensions of credit by extortionate means, 15 U.S. Code 1692g - Validation of debts and 15 U.S. Code 1692d ( 4 ) - 15 U.S. Code 1692d - Harassment or abuse. Send all requested documentation in one mailing within14 days per UCC 9-210. See attached for requirements. This is the only communication to be received from Portfolio Recovery Associates per my request. I will be contacting the attorney general with the paper trail of our communications regarding these violations.

Company response to consumer: Closed with explanation