Consumer complaint received 2025-02-12 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: AL

Complaint narrative:
Demand for Deletion of Unauthorized Collection Account Privacy Violation I am writing to formally dispute the collection account listed below that you are reporting on my credit report. This account is not mine, and your actions are in direct violation of my consumer rights under federal law, including violations of my privacy and rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under the FDCPA, 15 U.S.C. 1692g, which requires you to provide me with validation of this alleged debt. I have not conducted any business with your company nor have I signed any agreement or contract with you. Therefore, you have failed to properly validate this debt as required by law. Additionally, you have violated my privacy by reporting an account to the credit bureaus without my authorization or consent. Who exactly granted you permission to access my private and personal information? No business relationship or contractual obligation exists, and no validation of the debt has been provided nor will it be since I have never provided consent. What you are doing is fraudulent and you know it. According to the FDCPA, under 15 U.S.C. 1692g ( a ), you are required to validate the debt within 30 days of my receipt of this dispute letter. If you fail to provide proper validation, you must cease all collection activities related to this account and remove it from my credit report. Furthermore, under 15 U.S.C. 1692c ( c ), once I have notified you in writing that I dispute the debt and refuse to pay, you are prohibited from continuing to communicate with me about this debt, unless validation is provided. In addition, your reporting of this collection account to the credit bureaus is a direct violation of my privacy under 15 U.S.C. 1681b ( FCRA ), which states that a consumer report may only be furnished with the consumers written consent or authorization. I did not give such consent or authorization to have this account reported, nor have I had any dealings with your company. This is an unlawful violation of my privacy and a breach of my rights as a consumer. Violation of Privacy and Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is the responsibility of credit reporting agencies and creditors to ensure that any information reported is accurate, relevant, and reported with the consumers explicit consent. Your failure to validate the debt and to report it without my consent is a clear violation of my privacy rights. Additionally, under FCRA 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Reporting an account that I have no connection to, without proper validation, is a violation of this statute and damages my creditworthiness and reputation as a consumer. Legal Basis for Removal of Account : FDCPA 1692g ( a ) Validation of debt within 30 days. FDCPA 1692c ( c ) Cease and desist collection efforts if requested. FDCPA 1692i Restrictions on legal actions by debt collectors. FCRA 1681 Accurate reporting of credit information and protection of privacy. FCRA 1681b Permissible purposes for credit report access and disclosure. As per these laws, the account listed above must be deleted from my credit report if you fail to validate the debt within 30 days or if you can not demonstrate proper legal standing to collect on this debt. Your unauthorized reporting of this account has been an infringement on my privacy rights, and I demand that you immediately cease and desist from all collection activities and remove this disputed account from my credit report. Please consider this letter a final demand for deletion. If you do not comply with these legal requirements, I will pursue further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus, as well as pursuing civil damages of { {$1000.00} } per violation under FDCPA XXXX, as well as additional remedies under the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation