Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Portfolio Recov Assoc account number ending in : XXXX I have never done business or gave this company consent written, verbal, nor implied to contract with Portfolio Recov Assoc. I am a victim of identity theft and i sent proper notice to this company to remove this account. I provide this company with a FTC affidavit and cease and desist but i was continue to be harassed and threatened by this collection agents. This company does not have a legal right to collect in this state. I after a UCC look up this company for a fact does not hold a lien and is not in jurisdiction. This company is operating outside its jurisdiction committing fraud and i demand this account be remove immediately. I am giving this company 10 days or it is tasit. Produce proof of a wet sign of nature giving this company a contract. I have never contracted or consented to an agreement with this company. This company has sent mail misrepresenting themselves and harassing me. This company has violated 15 usc 1692 c ( a ), 15 usc 1692 d ( 2 ). I received multiple mails with these violations and i have received threading voice mail. I was recently contacted by a local attorney whom which i am thinking about hiring and turn over all the mail, call log and voice mail. As the beneficiary i have a equitable interest and i demand this company stop reporting information to third party and exposing my intellectual property and social security number which they have a multiple mails. This company has violated my fee schedule. Produce the forward flow agreement at once and produce all document request so i can see how my intellectual property was sold and who contracted again my verbal and written consent. In accordance with the principles and requirements set forth by the Generally Accepted Accounting Principles ( GAAP ) which mandate the preparation and presentation of financial statements for U.S. public companies I demand the following documents for each account or financial instrument in question : - Full accounting ledgers.

- Certificates indicating the creation, purpose, and terms of each account or instrument.

- IRS Form 1099-OID ( Original Issue Discount ), if applicable.

- IRS Form 1099-INT ( Interest Income ), if applicable.

- A legal affidavit detailing the circumstances and legal basis under which each account or instrument was opened or created, including the names of individuals or entities responsible.

I hereby clarify that I operate as a private individual engaged in private business within the private sector. I am not, nor have I agreed to be, a trustee or any of its instrumentalities. My financial and business activities are conducted strictly within the private domain, and any implication or assertion to the contrary is without basis and is hereby contested.

5. Legal Justification This demand is grounded in the legal right to be informed about and to control one 's financial affairs and the legal instruments issued in one 's name. The lack of disclosure and consent in the creation and maintenance of any such accounts or financial instruments constitutes a violation of these rights.

6. Demand for Compliance I demand that the requested documentation and information be provided to me within thirty ( 30 ) days of the receipt of this affidavit. Non-compliance with this demand may compel me to pursue all available legal remedies, including but not limited to litigation, to enforce my rights and to seek redress for any violations thereof.

7. Conclusion : This demand is made in the interest of transparency, accountability, and the protection of my legal and financial rights. I expect that this request will be met with prompt and complete compliance.

Company response to consumer: Closed with explanation