Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
IN REGARDS TO ; PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I HAVE SENT SEVERAL CERTIFIED LETTERS INFORMING THE BUREAUS AND THE DEBT COLLECTOR THAT I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS BEEN FRAUDULENTLY OPENED.THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY MAIDEN NAME AND I'M A VICTIM OF IDENTITY THEFT AS I REPEAT MYSELF AGAIN. THIS A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) THAT YOUR CLAIM IS  DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU. 
PLEASE PROVIDE ME WITH THE FOLLOWING : XXXXWHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE -PROVIDE ME WITH THE ORIGINIAL PHOTO DOCUMENT OR LICENSE I ALLEGEDLY USED TO OPEN THE ACCOUNT. 
AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation