Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The ILLEGAL reporting of the Portfolio Recovery account on my credit report has injured me and continues to injure me. I am providing proof of adverse action taken by lenders due to the reporting of the XXXX XXXX. They claim they had the authority by capital XXXX to collect on this debt. I asked for a full file disclosure and agreement between XXXX XXXXXXXX and them with wet signature, they never provided this. I have been disputing this since XX/XX/2022. In addition to not providing the XXXX documentation that gives them the authority to collect, I specifically communicated with them that I have never opted in for them to report to the any consumer reporting agency and I formally according to 15 USC 1681 and 15 USC 6508, and 6801 thru 6805 I indefinately OPT OUT of any reporting. The privacy policy from XXXX XXXX ( attached ), " We share information in a variety of contexts. For example, we may share information about you with : XXXX. We may share information with companies in the XXXX XXXX family. 
Business partners. We may share information with companies that we have partnered with to offer or enhance products and services for XXXX XXXX customers or prospective customers. For example, we may share information with XXXX XXXX XXXX partners, XXXX XXXX partners, XXXX XXXX partners, or XXXX partners that allow you to redeem XXXX XXXX XXXX. 
XXXX  partners. We XXXX allow companies to collect information through our XXXX Services in order to provide marketing services to us, including to target advertising to you based on personal information collected across different websites, mobile apps, and devices over time. Learn more about how we use online tracking technology to conduct personalization, analytics, and targeted advertising, and how you can opt out. 
Service providers. We use other companies to provide services on our behalf and to help us run our business. We may share information with these service providers, or they may collect information on our behalf, for various business purposes. For example, we use service providers for hosting and securing our information systems, servicing customer accounts, detecting and preventing fraud, assisting with XXXX XXXX activities, communicating with our customers, and analyzing and improving our XXXX Services. 
Other XXXX XXXX with your consent or as necessary to provide our products and services. We share information with your consent or at your direction, such as when you ask us to share information with a XXXX XXXX app to track your finances or to share financing details with an XXXX XXXX when shopping for a XXXX. We also may share information with XXXX XXXX to provide products and services that you request, such as with merchants that are authorizing XXXX XXXX  credit card transactions, with travel, entertainment, or restaurant providers when you transfer funds or send money to friends and family via XXXX, and with XXXX payment processors ( such as XXXX or XXXX ) when you make payment on our XXXX Services. 
Credit bureaus. We share information with credit reporting agencies, such as XXXX, XXXX, and XXXX, to report on or learn about your financial history and for other lawful purposes. 
Government entities and others with whom we share information for legal or necessary purposes. We share information with government entities and others for legal and necessary purposes, such as : To respond to requests from our regulators or to respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process. 
In connection with a proposed or actual sale, merger, transfer, acquisition, bankruptcy, or other disposition of some or all of our assets, in which case we may share information with relevant third parties. 
For other XXXX purposes, such as to enforce our terms and conditions, exercise or defend XXXX claims, comply with applicable laws, or if we determine that disclosure is necessary or appropriate to protect the life, safety, or property of our customers, ourselves, or others We may share aggregated and de-identified information ( such as aggregated statistics regarding the use of our financial products and services ) with XXXX XXXX for any purpose. '' I do not see and Portfolio has refused to provide the documentation on how portfolio recovery they are within XXXX XXXX 's privacy policy. Nonetheless, they continue to be allowed to not FULLY disclose nor document as per the law and continue to injure me by reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation