Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand for Unlawful Collection Practices and Data Breach Violations Dear Sir/Madam, I am writing to formally demand that you cease and desist all further contact and collection efforts regarding any alleged debt or account associated with my identity. This letter serves as a final notice, asserting my rights under federal and state laws governing consumer protections and data privacy.

Legal Protections Against Unlawful Debt Collection and Harassment 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. - Prohibits deceptive, unfair, or abusive collection practices. - Requires that debt collectors provide validation of the debt upon request. - Mandates that collections cease if the consumer sends a written request.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x * * - Governs the accuracy, privacy, and proper use of consumer credit information. - Enforces data accuracy and mandates correction of inaccurate or incomplete information.

3. The Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 - Restricts unsolicited calls and messages, including autodialed and prerecorded calls.

4. State Laws - Many states have their own statutes regulating debt collection activities and protecting consumer rights, which may provide additional remedies.

Data Breach and Privacy Violations It has come to my attention that companies, including your agency, may be involved in or affected by data breaches or unauthorized selling or sharing of my personal information. Under federal law : - Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 - Prohibits unfair or deceptive acts or practices, including mishandling of personal data.

- Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 - Imposes safeguards on financial institutions to protect customer information.

- California Consumer Privacy Act ( CCPA ), Cal. Civ. Code 1798.100 et seq. ( Applicable if you are in California or similar laws in your jurisdiction ) - Grants consumers rights regarding their personal data, including the right to know, delete, and opt-out of data sharing and selling.

This letter also serves as notice that : - Any unauthorized sale, sharing, or mishandling of my personal information constitutes a violation of applicable privacy laws and may lead to legal action.

- I demand that you immediately cease and desist from any further collection activities, communication, or data handling practices that violate these laws.

- You are also put on notice that continued unlawful practices, including unauthorized sharing or breach of my data, will be reported to relevant authorities such as the FTC, state attorney general, and other regulatory agencies.

Final Notice Please consider this letter a formal and legally binding cease and desist order. Any further contact, collection attempts, or data disclosures will be regarded as harassment, violations of my rights, and subject to legal remedies, including damages, injunctive relief, and attorneys fees.

I reserve all rights under applicable federal and state laws, and this letter is sent without prejudice to any rights or claims I may have. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation