Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery is telling the CFPB that these accounts are valid and they are not going to take any further steps. They are telling the XXXX   the exact opposite. Please review my attachments. This company and their law firm is harassing me and they continue to make up lies and fabricate stories that aren't true. I can prove everything. I have everything documented.

If you read my attachements, XXXX stated her company investigates all disputes in accordance with the law. I have proof your Portfolio Recovery has never investigated my disputes. She also claims to have just now requested additional information from the original creditor. Why now? I have disputed this information 2.5 months ago. I also have contacted your company multiple times and asked about the 21 letters I received from your company over a 4 day time period. Most were duplicates, all generic answers, and every letter I have received in the past from your company. There was not 1 unique letter or new piece of evidence provided. Was this just pure harassment or intimidation tactics? Please respond. On XX/XX/XXXXyour company sent a letter that states the investigation is complete. Accounts are valid. On XX/XX/XXXX your company sent a letter, this account is currently under investigation. It should have been under investigation onXX/XX/XXXX when you received my first dispute letter. And I just received a letter yesterday from your company dated XX/XX/XXXX. That states you can not complete the investigation because you need more info from me. And you are terminating the disputes investigation pertaining to this account. I also attached a letter from the law firm you are using, which shows I was threatened with a law suit on my birthday. The following letter from the same law firm, written by XXXX XXXX  was sent to the XXXX, and she states her company has never threatened me with a judgement. Both of your companies have lied about me, these alleged accounts, and fabricated stories. I have proof and documents of everything. I have been harassed for over 3 months now. I have not received a chain of title, which your companies claims to have. I have requested a copy multiple times. I have not received a signed contract, an assignment, consideration for the assignment, bill of sale which references me. These are required under the Illinois collection agency act. I have provided you with all of the information I have. I stated these accounts are not listed on my credit report, that XXXX XXXX has a policy of only 2 directly issued cards per consumer. I provided your company proof of this. I have also asked you to call XXXX XXXX and verify with them. You stated in your response, you especially want to review information from the consumer. I have no knowledge of these accounts. I have told your company this many times. Have you contacted XXXX XXXX?? They would be the one with the knowledge. I have also agreed to pay this debt if it turns out to be mine. If this was 100 % identity theft, these accounts would be on my credit report. Negative information stays on one 's credit for 7 years. And there would only be 2 accounts and not 3.

I demand answers, I demand Justice, and I demand a conclusion to this matter on or before XX/XX/XXXX.

I would like you to move forward with your threats, so we can settle this in court.

Company response to consumer: Closed with non-monetary relief