Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
b'THE NERVE OF YOUR COMPANY NOTICE FOR REQUEST OF          \nCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE  \nAND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS  \nDEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY SPV TRUST VIOLATION \n\n I NEVER GAVE CONSENT TO USE XXXX XXXX XXXX IN COMMERCE WHO ARE YOU \n XXXX                                                             PLAINTIFF: XXXX XXXX XXXX XXXXn DEFENDANT: Portfolio Recovery Associates, L.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE: ALLEGED ORIGINAL CREDITOR: ? ACCOUNT NUMBER: XXXX ALLEGED DEBT AMOUNT OR BALANCE XXXX XXXXnCERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXX \nDEAR: Portfolio Recovery Associates, L.L.C.    BULK- DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D   EXHIBIT -A HJR 1933:   \nEXHIBIT A1: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE  \nTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.   \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM  \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP  \nHARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX XXXX  IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. . UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you are required to cease and desist from collecting upon the debt (including contacting a debtors credit) until you properly validate and verify the debt amount and contact with remedy.   \nEXHIBITA2: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I  \nREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- \nLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY  \nATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES   \n(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS   \nREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED   \nDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE   \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY   \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF \nYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY \nALSO YOU MAYBE SUED BY THE CFPB.  ABRUPTLY, XXXX  . Living Man UCC1-308 WITHOUT \nPREJUDICE without recourse BENEFICARY OF acct: XXXX XXXX XXXX  NOT THE TRUSTEE'

Company response to consumer: Closed with non-monetary relief