Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Portfolio Recovery Associates Attn : Legal Department XXXX XXXX XXXX, XXXX, VA XXXX Subject : Cease and Desist from All Communication and Unauthorized Reporting Dear Sir/Madam, I am writing to formally demand that Portfolio Recovery Associates immediately cease and desist from all further communications with me regarding any alleged debts, lawsuits, or related activities concerning my personal information. This includes phone calls, emails, letters, or any other form of communication. 
I am aware that your company has been harassing me with threats of pending lawsuits, abusive language, and persistent phone calls, all of which are violations of my rights under federal law. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c, I am entitled to request that debt collectors cease contacting me, and you are legally required to comply. 
Furthermore, I have already filed a Federal Trade Commission ( FTC ) report for Identity Theft, which includes your company as one of the entities that has fraudulently used my personal information without my authorization. This means that your company has no lawful right to contact me regarding any debts, nor to store or share my personal information, including my name, address, Social Security number, or date of birth. Any action taken by your company to report my information to credit bureaus or other third parties without my consent is a violation of both the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and fraudulent activity laws.

To clarify, I demand the following actions : 1. Immediate cessation of all communications from your company, including phone calls, letters, and emails.

2. Do not contact me again via phone, email, or any other communication methods.

3. Remove all information related to me from any public records, credit reports, or databases maintained by your company, including any reports sent to credit bureaus.

4. Do not share or report my personal information to any third party or credit bureau.

5. Immediate confirmation in writing that all references to me have been removed from your files and databases, along with any steps your company has taken to ensure this information is not further distributed. 
Please note that your failure to comply with this cease and desist demand will result in immediate legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing lawsuits under the FDCPA and FCRA for any unlawful practices related to my personal information. 
Additionally, your continued violation of my rights may lead to claims for damages under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which allows individuals affected by fraud to seek redress for unlawful use of their information. 
I expect written confirmation from your office within 15 days of the date of this letter that you have complied with my demands. If I do not receive a response, I will proceed with taking appropriate legal actions. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief