Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
on XX/XX/2021 Portfolio Recovery Associates, LLC ( PRA ) has tontinued to violate my rights under FCRA & FDCPA by claiming a false debt has been " verified '' the the PRA account ending in XXXX..the account provided is not a full a full account, this is frivilous i am DEMANDING A FULL ACCOUNT NUMBER WHICH IS ATTACHED TO MY CONSUMER CREDIT REPORT, NOT 4 DIGITS.. in no such way this debt has been verified nor belong to me .this collection agency has commited IDENTITY THEFT by stealing my personal information as in : my social security number, first and last name, birthday, address, i never gave this collection agency consent NOR have i ever did buisness with this company and by any chance of this company claiming that i have, i AM DEMANDING a contract between me and ( Portfolio Recovery Associates, LLC ( PRA ) stating that i have agreed to do buisness with this " person '' as described by congress 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal ... the accusationsthis company has claimed is false and DECEPTIVE .... 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ... I HAVE DEMANDED FOR THIS COMPANY TO DELETE THIS COLLECTION ACCOUNT, THIS COMPANY HAS AGREED TO CEASE ALL COLLECTIONS AND ( CONNECTIONS ) WITH THIS DEBT CONNECTIMNS WHICH IS MEANING STOP ALL REPORTING TO THE 3 MAJOR REPORTING AGENCIEs XXXX XXXX AND XXXX  ... you also have mentioned that " We believe that you were properly notified of our purchase of the account and provided notices required by law the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time ... AGAIN YOU MENTIONED THAT YOU HAVE PURCHASED MY PERSONAL IDENTIFICATION BY ANOTHER INDIVIDUAL " THAT I HAVE NO KNOWLEDGE OF AND NEVER HAVE DONE BUISNESS WITH ... I AM ADVISING YOU TO DELETE/REMOVE ALL FURNISHING OF THIS ACCOUNT WHICH YOU CLAIM THAT YOU HAVE RIGHT TO, ALSO ALL CORRESPONDING BETWEEN ME AND THIS COMPANY WILL BE USED FOR ALL LEGAL PURSOSE AND ALL RECORDING THAT I AM ENTITLED TO..15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ... .i am informing of the damages which you have committed against me and by law which i am entitled to for the " DEFEMATION OF MY CHARACTER " to add ... i will be getting in touch with your office soon to inform your of the cost of my damages that i have sustain due to you placing a false account an my consumer credit report ... YOU ARE NOW BEING HELD LIABLE FOR ALL DAMAGES..

Company response to consumer: Closed with explanation