Debt collection -- Attempts to collect debt not owed -- Complaint #4921208

Complaint Overview

Complaint ID: 4921208

Company: Portfolio Recovery Associates, LLC

Product: Debt collection

Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Texas

ZIP Code: 79924

Date Received: 2021-11-17T12:00:00-05:00

Date Sent to Company: 2021-11-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.

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