Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
CFPB CONSUMER RIGHTS ENFORCEMENT AFFIDAVIT ( Violation of Federal Consumer Privacy & Fair Debt Collection Laws ) Affiant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX I. Affiant Statement of Fact Notice, it is a fact : I, the affiant, am a consumer protected under federal law and retain the right to privacy and protection from unlawful debt collection and data dissemination as granted under 15 U.S.C. 1692 et seq. 

Right to Privacy & Cease and Desist I, the affiant, am legally refusing to pay the alleged debt and hereby demand an immediate cease and desist of all illegal activity, including calls, letters, emails, and credit reporting constituting collection activity, until validation of debt and documentary evidence is lawfully provided.

Executor Status & Legal Standing Pursuant to 15 U.S.C. 1692c ( d ), I am of the age of majority and operate as administrator and executor over my private consumer estate. 
It is further a fact that Portfolio Recovery Associates is a corporate fictiona legal minor incapable of possessing standing without express contractual consent of the consumer.

Unlawful Use of Consumer Information Under 15 U.S.C. 1681b, a consumer reporting agency must have written instructions from the consumer to furnish a report. 
Absent such authorization, any furnishing or publication of my identifying information constitutes fraud, privacy invasion, and willful non-compliance with the Fair Credit Reporting Act and the United States Constitution, Amendment IV the right to be secure in ones papers and effects.

II. Involved Entities and Reporting Violations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX III. Summary of Violations Failure to obtain lawful written instruction to access and report consumer data. 

Unauthorized use of personally identifiable information in violation of 15 U.S.C. 1681b.

Continuous collection activity without validation in violation of 15 U.S.C. 1692g ( b ).

Intrusion upon privacy and constitutional security of private papers under the Fourth Amendment. 

IV. Affiant Demand for Relief and Remedy I, XXXX XXXX, hereby demand that the Consumer Financial Protection Bureau and all named entities cease unlawful reporting and collection activities and provide written confirmation of the following within 15 days of receipt : Deletion of all unauthorized accounts and data from XXXX XXXX XXXX XXXX 

Full validation and documentation of the alleged debts pursuant to 15 U.S.C. 1692g.

Written acknowledgment of cease-and-desist compliance under 15 U.S.C. 1692c ( c ).

Failure to comply constitutes admission and willful violation of federal law, subject to civil and criminal liability.

V. Certification and Reservation of Rights All rights reserved and none waived. This affidavit is executed under penalty of perjury under the laws of the United States of America. 
Executed this XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief