6/14/09 DRAFT FTC / AG complaint to Portfolio Recovery legal for comments

This is the DRAFT of regulatory complaint #2 about Portfolio Recovery Associates. Portfolio Recovery Associates is a debt buyer notorious for violating the FCRA and FDCPA, ignoring consumer disputes and even multiple hard inquiries. While the FCRA explicitly PERMITS collection inquiries to be reported to 3rd parties (hard inquiries), this practice defames consumers who are often INNOCENT.   […]