Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In XXXX I discovered that an a relative obtained a XXXX Driver 's License with her picture and my information on it. Identity Theft Police Reports were filed and placed on my credit history. My relative was using my identity and social because they are the SAME numbers except for the last digit and was re-opening credit cards and obtaining fraudulent loans. I did not have XXXX XXXX XXXX cards. I want Portfolio to remove this via interaction with the CFPB or I will sue. It does not matter what my social security number ends in. My relative has been using it and I have a XXXX  Police Report number for Identity Theft that specifically calls out the usage of MY SOCIAL and my information on a XXXX  Driver 's License that had been in use since XXXX. Therefore, I want this removed. it does not matter what the last XXXX of my social are. It's been used now since the XXXX Data Breach from XXXX. 

They responded to the XXXX while I had XXXX and could not respond : Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigated the complaint, verified the XXXX  account ending in XXXX, and confirmed that we notified our customer of our purchase of the account and provided notices required by law. 

They did not provide notices as required by law which is why they were the subject of a XXXX lawsuit in which they lost XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card account ending in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. 

Supply proof of this. On or about is NOT concise nor is producing the documents required by FCRA. 

Business records provided to XXXX XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$1500.00} was due on the account at the time of XXXX 's purchase. 

Present the documents. According to XXXX XXXX XXXX this can not be report. You did not send me anything in XX/XX/XXXX because my mail was stolen and I have police reports for this also and was not in XXXX 

We sent our initial notification letter to our customer on or about XX/XX/XXXX, a copy of which is attached. 

You did not send this letter to me in XXXX I obtained from a XXXX XXXX a letter in my name, sent to an Address in XXXX By the fact that this letter from your company was sent to my NAME, in an address in XXXX that I have never lived at, this is Fraud. Plain and simple, XXXX XXXX must love lawsuits. So because this was sent to an individual using my name in XXXX and then secondly was sent to my name in XXXX means this is not valid debt as I have never lived in XXXX 
XXXX is just trying to obtain collection account funds fraudulently while attacking individuals credit. It's pay to get a better credit score or we will keep listing this on your credit for XXXX  years. 

We take compliance with all applicable state and federal laws very seriously. We believe that our customer was properly notified of our purchase of the account and provided notices required by law and no further steps in response to the complaint or follow-up actions are required at this time. 

I think you are wrong your are NOT compliant in state and federal laws. You were trying to scam someone with my name no matter what state they lived in and after sending it to this individual in XXXX  decided to defraud me. Since the letters were sent to someone in XXXX and not me, with the same account information, it's impossible for me and another individual to have the same XXXX number and have the debtor live in XXXX states. 

Remove this immediately or the information I have with your notices being sent to XXXX will be sent to a Consumer Attorney to commence legal action against your company.

Company response to consumer: Closed with non-monetary relief