Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, and Capital One Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue. 

To provide a complete overview of the situation, I must first emphasize that XXXX XXXX XXXX XXXX has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, XXXX XXXX XXXX XXXX continues to pursue me, tarnishing my creditworthiness and causing substantial harm. 

Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with XXXX XXXX XXXX XXXX. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge. 

In addition to the issues mentioned above, I have attached documentation related to a Capital One debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX XXXX is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities. 

It is evident that XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX, and Capital One are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge. 

I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and Capital One. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law. 

Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the Capital One debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution. 

I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior. 

Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation