Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX : Family of XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, Chief XXXXXXXX XXXX of XXXX Portfolio Recovery Associates , LLC Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Full XXXX. ( I was not told that I was creating a credit with my wet ink signature ) ; XXXX. Equal consideration. ( Portfolio Recovery Associates , LLC brought nothing of value to the table and so had nothing to lose ) ; Since there was no Equal consideration this alleged contract is NULL AND VOID! 


XXXX. Lawful terms and conditions. ( Yours were based on fraud ) ; XXXX. The wet signatures of both parties- ( XXXX cant sign because they have no Right or Mind to contract since they are soul-less legal fictions ; and furthermore, no third party can sign a contract on their behalf ). ( Account Summary is not Validation ) An Account Summary is not debt validation and holds no merit to its validity. I have asked for specific documents that you are malfeasant in providing me with. Since you cant provide me with said documents and or contracts then the above debt needs to be dismissed and reported to the XXXX Credit Bureaus. I have been very patient with you and I have provided more than enough proof that this debt is not valid. Further communication with me should only be to provide me with the documentation that I have asked for in accordance with the original letter I sent you. You are required under Federal law to submit and provide me with debt validation and a copy of the contract, not an account summary. You have continued to report negative marks to the XXXX Credit Bureaus as well which you are not inclined to do under federal law since you have not provided me with a contract. The only thing you mailed me was the account summary and a copy will be attached for your reference. This is invalid and violates my rights under common law since you lay claim against my property. I have provided more than enough proof that this debt is not valid and you have provided nothing substantial. You lay false claim against my name and bond under common law. You are now required to remove and dismiss this from the beneficiary of Social Security XXXX XXXX XXXX XXXX  XXXX XXXX Credit Report Since you have failed to provide the information you are required to provideUnder the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
You did not send me validation rather you sent me an account summary which I will provide a copy of what you sent here. You are malfeasant and need to be investigated. You did not halt all phone communications with XXXX XXXX and you called numerous times a day harassing for payment. Even after he advised to not call as he is an XXXX year old man with XXXX XXXX! 

15 USC 1681b - FCRA - Under the permissible Purpose Law the original Creditor has a written agreement with the consumer to make your payments directly to them they do not have my permission/written consent to give out my information and sell it to a third party ( that being Portfolio Recovery Services XXXX XXXX  ) THAT IS ILLEGAL! 
FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX whichever is greater. " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for XXXX or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of $ XXXX Section 605A-15USC 1681 c-1 Section 605B- 15USC 1681 c-2 You are in clear violation of numerous things and attempting to collect a debt that legally needs to be removed - You have NOT sent any validation and or purchase agreements as the above Permissible Purpose Law altogether puts you in violation - I DO NOT CONSENT - Further Investigation of your fraud should be pursued as you are in direct violation and harassing an elderly person to boot after he said to stop calling. 
XXXX AGAINST RIGHTSUSC 18 241 If XXXX or more persons conspire to injure, oppress, threaten, or intimidate any person in any State in the free exercise or enjoyment of any right, they shall be fined under this title or imprisoned not more than XXXX years, or both. 
XXXX TO INTERFEREUSC 42 1985 If XXXX or more persons in any State or territory conspire for the purpose of depriving, either directly or indirectly any persons rights the party so injured or deprived may have an action for the recovery of damages against any XXXX or more of the conspirators. 
NEGLECT TO PREVENTUSC 42 1986 every person who, having knowledge that any of the wrongs conspired to be done or are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured ( XXXX XXXX XXXX ) man is independent of all laws, except those prescribed by nature. he is not bound by any institutions formed by his fellow- man without his consent. 
THE REAL LAW ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) RIGHTS AND SOVEREIGNTY ( XXXX XXXX People of the State of California, 110 U.S. 516 ) The assertion of federal rights [ Bill of Rights ], when plainly and reasonably made, is not to be defeated under the name of local practice. ( XXXX XXXX XXXX, 263 US 22, 24 ) Sovereignty itself is, of course, not subject to law, for it is the author and source of law. ( XXXX XXXX XXXXXXXX XXXX, 118 US 356, 370 ). to deprive the People of their sovereignty, it is first necessary to get the People to agree to submit to the authority of the entity they have created. That is done by getting them to claim they are citizens of that entity Constitution for the U.S.A., XXXX XXXX XXXX XXXX XXXX LAW OF THE LAND This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding. 
US Constitution If any statement, within any law, which is passed, is unconstitutional, the whole law is unconstitutional. ( XXXX v. XXXX : 5 US 137, 1803 16XXXX Jur XXXX : XXXX Jur XXXX, Sec XXXX XXXX ; XXXX v. United States - XXXX XXXX XXXX XXXX XXXX XXXX, Sec XXXX XXXX XXXX XXXX XXXX, Sec XXXX XXXX XXXX v. XXXX. XXXX XXXX XXXX, XXXX XXXX v. lndependence XXXX Vol. Supreme Court XXXX. XXXX : [ XXXX ] ; XXXX XXXX XXXX XXXX Vol. Supreme Court XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX U.S. XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX In XXXX XXXX XXXX XXXXXXXX U.S. XXXX XXXX XXXXXXXX. XXXX, XXXX L.ed. XXXX ; Minor v. XXXX, XXXX XXXX ( XXXX XXXX. ) XXXX, XXXX L.ed. XXXX. XXXX XXXX XXXX, XXXX edition, p. XXXX People v. XXXX, Cal., XXXX XXXX XXXX, XXXX ; State v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; direct Plumbing Supply XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A.L.R. XXXX ; XXXX v. XXXX XXXX XXXX XXXX, XXXX A. XXXX, XXXX XXXX v. Board of XXXX examiners, XXXX XXXX XXXX ; XXXX XXXX XXXX Board of examiners, United State Reports XXXX U.S. pages XXXX, XXXX Sims v. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX Pennsylvania, XXXX XXXX XXXX, at XXXX XXXX v. California, XXXX XXXX XXXX XXXX v. U.S., XXXX F XXXX XXXX. XXXX XXXX XXXX Article I, section XXXX XXXX vs. the Mayor of XXXX XXXX XXXX Georgia State v. XXXX XXXX United States -v- XXXX Reminder A reminder that this is a trust action. You are in a fiduciary position as trustee because you are handling and working with my Social Security XXXX que Trust XXXX XXXX XXXX directly or indirectly as part of the service you provide. As a fiduciary everything you do MUST be for my benefit. If this debt is not placed in satisfactory status you are acting in your own best interest which makes you malfeasant of office. It is trust fraud and that is a felony. 
XXXX XXXX, XXXX XXXX XXXX, do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Common Law Contract, is true, accurate and correct to the best of my knowledge, information and belief and conveys the requirements set forth as intended by me without prejudice.

Company response to consumer: Closed with explanation