Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

I do not know Cont'd attempts collect debt not owed Debt is not mine Washington

On - -, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them $650.00. I denied that assertion. The caller asked for the last - digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in


entire conversation, or rather confrontation, wasted more than - minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. The same day, - -, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads -/-/2015, that is the date of my re-printing of the email, which was sent - - ). Yesterday I received a letter from PRA ( also attached hereto ) dated - -, showing a debt owed by - - -, with a social security number ending in -. My wife 's name is - - -, and there is no " - '' whatsoever in her name. There never has been. Her social security number does not end in -. From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.