Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX / PORTFOLIO RECOVERY ASSOCIATES LLC have furnished an Unauthorized Account & have committed Illegal Reporting of a fraudulently opened account opend by XXXX XXXX XXXX XXXX DEMAND FOR IMMEDIATE REMOVAL I demand that you immediately delete the unauthorized, unverified account XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES LLC opened in my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all similar banking databases in New York and across the U.S. there fraudulent actions actions have legally harmed my ability to obtain new accounts, constituting serious violations of multiple federal and state laws, including : 30 Supreme Court Principles & Legal Precedents Violated 1. Due Process ( XXXX v. XXXX ) XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX. Right to Fair Hearing ( XXXX XXXX XXXX ) XXXX. Notice & Hearing Requirements ( XXXX v. XXXX ) XXXX. Procedural Due Process in Financial Reporting ( XXXX XXXX XXXX XXXX ) XXXX. Right to Access to Courts ( XXXX XXXX XXXX  ) XXXX. Privacy in XXXX XXXX ( XXXX v. XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) XXXX. Government-Style Due Process for Consumers ( XXXX v. XXXX ) XXXX. Right to Be Heard Before Harm Occurs ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( plus 20 additional analogously violated Equal Protection and Procedural Due Process rulings ) 10 Federal FCRA Violations ( 15 U.S.C. ) 1. 1681e ( b ) Failed to ensure accuracy 2. 1681i ( a ) No reasonable dispute reinvestigation 3. 1681s-2 ( b ) Continued furnishing unverified information 4. 1681g ( a ) Refusal to provide full file upon request 5. 1681c ( a ) Reporting inaccurate or obsolete information 6. 1681j No report of theft-related fraudulent accounts 7. 1681d Failure to obtain consumer free reports 8. 1681m No adverse action notice issued 9. 1681n Willful noncompliance 10. 1681o Negligent noncompliance 15 FTC & New York State Laws Violated 1. Fair Credit Reporting Act ( FTC enforcement ) 2. FTC Furnisher Rule ( 16 C.F.R. 1022.41.48 ) 3. GRB Act Deceptive practices in consumer data 4. Telemarketing Sales Rule If account resulted from phone-based offers XXXX. New York Gen. Bus. Law 349 Deceptive acts in commerce 6. NY CLS Banking Law 598-a Unauthorized deposit account info 7. NY Gen. Bus. Law 380-b Deceptive practices in loans 8. NY Aggregated Privacy & Security Law 9. NY SHIELD Act Unauthorized disclosure of PII 10. NY Personal Privacy Protection Act 11. NY Identity Theft Prevention Act 12. NY DFS Cybersecurity Regulation 13. NY Consumer Protection from Deceptive Acts 14. NY Banking Law Unauthorized account creation 15. NYs UDAAP ( NY DFS ) Unfair or deceptive acts or practices 10 CFPB Standards Breached 1. Furnisher Rule ( Reg V ) Failure to correct inaccurate data 2. Privacy & Data Security ( Reg P ) 3. UDAAP ( CFPA ) Deceptive practices 4. Adverse Action Notice Obligations 5. Reasonable Investigation Requirements 6. Data Integrity Principles 7. Dispute Resolution Timelines 8. Notification of Fraudulent Accounts 9. Prohibition of Unverified Reporting 10. Misuse of Consumer Data Violations That Expose You to Massive Risk 1. Identity theft facilitation 2. Willful defamation of credit 3. Fraudulent misrepresentation in financial reporting XXXX. Trafficking in unverified consumer information XXXX. Breach of privacy under XXXX XXXX  XXXX Violation of XXXX due-process procedures DEMAND FOR IMMEDIATE ACTION 1. Confirm my correct address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX all systems I have never lived anywhere else in NEW YORK all my life. 
XXXX. Delete offending account from all databases XXXX, XXXX, XXXX, ( XXXX XXXXXXXX XXXX XXXX etc. ). 
3. Send me written confirmation of deletions and system updates.

4. Cease all adverse reporting related to this account.

5. Provide records of any investigation or justification for account creation. 

LEGAL NOTICE If PORTFOLIO RECOVERY ASSOCIATES/ XXXXXXXX XXXX XXXX fail to comply within 15 calendar days, I will : * File civil and administrative claims under FCRA 616617, CFPA 1054, NY law, and FTC regulations also with STATE ATTORNEY 'S OFFICE * Seek actual and statutory damages, penalties, attorneys fees, and injunctive relief * Report this to CFPB, NYAG , FTC , FDIC , OCC , and my counsel XXXX XXXX XXXX in XXXX  XXXX  will file LAWSUIT. 
This complaint demands urgent compliance. Do not ignore this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief