Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This is what I 'm sending t o one o f the credit reporting agencies as well as the CT Attorney General 's office. This explains the whole situation in detail.     To : TransUnion-Dispute From :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX  Re : Dispute #  XXXX  On  XXXX   XXXX ,  XXXX , I disputed a collection account from,  XXXX   XXXX   XXXX . Upon further research, I discovered I have never had any accounts with the original creditor,  XXXX   XXXX  Bank,  XXXX . On  XXXX   XXXX ,  XXXX , I received a phone call from a receptionist saying I must talk to someone named,  XXXX   XXXX  to discuss resolving an account from a payday loan in  XXXX . Something I have I NEVER applied for nor ever heard of.     From initial contact,  XXXX   XXXX  asked if my name is,  XXXX   XXXX . I informed him that was my former name and how I can help him. He then asked for me to confirm my social security number over the phone. Not knowing who this company is, I refused to provide my social and hung up the phone. Because of the fishiness of the call, I called  XXXX  back and I decided to video record & provide the legal disclaimer of recordings on ALL conversations using another cell phone. I was seeking further information about the legitimacy of the company before confirming any type of personal information. From that point on, Ive been hung up on, told to get a life and a job, I probably listen to rap music and thats why I cant afford my bills, and was constantly asked to confirm a social security number he is repeating repeatedly. Upon further research   XXXX   is working on behalf  of PORTFOLIO RECOVERY ASSOCIATES, the same company I disputed 4 DAYS prior to receiving  any type of communication from this company.     I repeatedly called  XXXX , several times after to get information about this so-called payday loan from  XXXX . On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX , I received a phone call from the Connecticut State Police ( stationed in  XXXX , CT  ) i nforming me that  XXXX   XXXX  asked to stop calling his office. I explained the situation to the officer & agreed to not contact   XXXX   and the officer stated that   XXXX   must cease contact with me. LITER ALLY 17 mi nutes later,  XXXX  is once again robo-calling me from the SAME phone number to call another phone number to discuss the same account.     At that point, I filed a police report with the  XXXX   XXXX  Police Department, complaint #  XXXX  for harassment and unauthorized contact with me during the dispute I filed on  XXXX   XXXX ,  XXXX  through   XXXX   XXXX   to  XXXX . I have attached the copy of the police report, a copy of my phone log showing the phone number of   XXXX  , the time CT  State  Police called me, and another robo-call AFTER speaking with CT State police. I plan on pursuing legal action against this company for violating several FCRA laws, giving out my social security number without any type of identification validation & using racial bias & discrimination as a collection intimidation tactic.     Thank you,  XXXX   XXXX  Cc :   XXXX   a.k.a . Portfolio Recovery Associates B cc : Consumer Financial Protection Bureau  Bccc : CT Office of the  Attorney General

Company response to consumer: Closed with explanation