Portfolio Recovery Associates The account Portfolio Recovery is trying to collect on is 10 years old! Norfolk, Virginia

Portfolio Recovery Associates started contacting me in February 2012. It was concerning a fraudulent credit card obtained in my name by an ex-boyfriend (who subsequently did the same thing to my stepmother) in 2001. I first learned of the Capitol One credit card from a previous collector in 2006, but was told because someone I knew had obtained the credit card in my name that it wasn't considered "fraud".

I was instructed to file a police report, but was unable to do so because I did not have any of his information...other than his name (after we broke up I found out he had even lied about his birth date). I have explained this repeatedly to PRA, but they continue to call me. Today was the sixth time someone has tried to collect the money, and I asked the woman if notes were made to the account about previous conversations.

She stated that the only notes are that I simply hang up on them when they call. That infuriated me. It was a bold faced lie, and makes me speculate what else they aren't being honest about. I explained to her that I refuse to pay one red cent, and if I needed to I would seek legal action to get them to stop. It is not on my credit report and I did not obtain the account in the first place. The whole "it can't be fraud because you know the person" is a load! How many minor children in this country have utilities and cable in their names due to bad parenting? Geeesh!