Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
In my recent dispute to XXXX, PORTFOLIO RECOVERY ASSOCIATES LLC. certified to XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 
Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish your tradeline onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave PORTFOLIO RECOVERY ASSOCIATES LLC. authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to PORTFOLIO RECOVERY ASSOCIATES LLC. which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( 3 ), that has taken place. 

XXXX, XXXX AND XXXX ARE ALL INVOLVED IN AN UNLAWFUL RELATIONSHIP WITH PORTFOLIO RECOVERY ASSOCIATES LLC AND I HAVE PROOF OF IT DUE TO THE FACT THAT PORTFOLIO RECOVERY ASSOCIATES LLC IS A COMPANY WITH MANY JUDGEMENTS MADE AGAINST THE REGARDING VIOLATING FEDERAL LAW ( SPECIFICALLY THE FDCPA ). PLEASE REFERENCE SUPREME COURT OF FLORIDA CASE HAM V. PORTFOLIO RECOVERY ASSOCIATES LLC. 

PORTFOLIO RECOVERY ASSOCIATES LLC IS UNLAWFULLY ACCESSING MY CONSUMER REPORT TO MAKE UNAUTHORIZED INQUIRIES AND FURNISH FALSE AND DECEPTIVE INFORMATION. THEIR FALSE INFORMATION HAS LEFT ME XXXX DUE TO GETTING DENIED FOR EMPLOYMENT, INSURANCE, AND HOUSING ( ALL OF WHICH ARE A VIOLATION OF FEDERAL LAW ). 

DUE TO THIS, I HAVE PROOF OF PORTFOLIO RECOVERY ASSOCIATES LLC. PARTICIPATING IN RACKETEERING ACTS FOR THE PURPOSE OF UNJUST ENRICHMENT WHICH IS UNLAWFUL. 

I HAVE SENT SEVERAL CEASE AND DESIST NOTICES TO PORTFOLIO RECOVERY ASSOCIATES LLC. HOWEVER, ALL OF WHICH HAVE BEEN IGNORED.

ACCORDING TO 18 USC 894, COLLECTIONS OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF FEDERAL LAW AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation