Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made several dispute about Portfolio Recovery Associates LLC with XXXX, XXXX, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with Portfolio Recovery Associates on these XXXX accounts. The first XXXX # XXXX for {$350.00}, last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. Second acct # XXXX for {$640.00} Last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. I didn't give my consent to report on my consumer report to Portfolio Recovery Associates and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from Portfolio Recovery Associates until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. Portfolio Recovery Associates LLC already have been ordered by CFPB but they continue to violated my rights. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect! XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount? XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept? Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING! If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Original creditor : XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00} 1. Charged {$480.00} more than the previous balance from original creditor. XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX XXXX had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that XXXX XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, Filed bankruptcy, and liquidated all assets.
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've already asked PORTFOLIO RECOVERY not to call several times stute of limitation account is from 2010 they been contacting me for 12 years
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery keeps calling my Number! Ive asked them in the past and recently, repeatedly to stop calling and they will not respect it!
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: https : //www.portfoliorecovery.com/ keeps calling me. I get the same caller id from PORTFOLIORECOV with different numbers every time. They robo call me about a few times a week and instantly hang up and sometimes transfers me to an agent where I tell them they have the wrong number. They will not stop calling and they keep rotating their numbers so I can not block them effectively. I have not debts with them or anyone.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account is not mine they can not prof as mine .... so they do not show any date, information and validation for this account just that it posses a amount of {$980.00} ACCT XXXX-XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I hereby lodge a formal complaint against XXXX Bank and Portfolio Recovery for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with XXXX Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, XXXX Bank assigned my loan to Portfolio Recovery, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer. Upon discovering this issue, I promptly reached out to XXXX Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, XXXX Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, XXXX Bank disclosed my personal information to Portfolio Recovery without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity. Subsequent to this acquisition, Portfolio Recovery has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay Portfolio Recovery. I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued. In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore XXXX Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I wish to file this complaint against Portfolio Recovery Associates , LLC ( PRA ). PRA is a debt collection agency that has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit bureaus. Specifically, PRA has reported that I have a delinquent account with XXXX XXXX. I have requested that PRA give me all documentation of this account and payments, without correct respond and they have refused to remove the inaccurate information from my credit reports. As a result of PRA 's inaccurate reporting, my credit score has been significantly damaged. I have been denied loans and credit cards, and I have been forced to pay higher interest rates on my existing debt. I am requesting that the CFPB investigate PRA 's conduct and take appropriate action to protect my rights. I am also requesting that the CFPB order PRA to delete the inaccurate information from my credit reports. I have analyzed the FCRA website, and I believe that PRA 's conduct violates the following provisions of the law : Section 1681a ( a ) ( 1 ) : PRA has failed to ensure that the information it reports to the credit bureaus is accurate and complete. Section 1681b ( a ) : PRA has failed to provide me with a copy of my credit report upon request. Section 1681c ( a ) : PRA has failed to investigate my dispute of the inaccurate information. Section 1681i : PRA has harassed me in connection with the collection of the debt. I have also analyzed the lawsuit that you linked to, and I believe that it provides further evidence of PRA 's history of violating the FCRA. In that lawsuit, the CFPB alleged that PRA engaged in a pattern of unlawful debt collection practices, including : Misrepresenting the legal status of the debt Harassing consumers Using unfair and deceptive tactics to collect debts The CFPB ultimately ordered PRA to pay {$24.00} million in damages and to implement a number of reforms to its debt collection practices. Based on the information that I have provided, I believe that PRA has violated my rights under the FCRA and that the CFPB should take appropriate action to protect my rights. I am requesting that the CFPB investigate PRA 's conduct and order PRA to delete the inaccurate information from my credit reports.
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A