Date Received: 2023-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted Portfolio Recovery to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a Credit card from XXXX XXXX. Due to financial problems I stopped paying on the card in XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ), XXXX. Account Number XXXX XXXXXXXX. Portfolio recovery took over the collection on it, they changed the date to XX/XX/XXXX as last payment. They also changed it on the credit report to look like a loan and has a payment arrangement so they don't have to abide by the statute of limitation. This is 6 years in the state of Utah. XX/XX/XXXX. They are actively presenting it as a loan they have arrangements to be paid on. I have never talked to them or have made any arrangements or agreement. Thes are 100 % false dates and have illegally changed it to a loan to avoid Fair credit consumer laws.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than XXXX years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than five years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates , LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates , LLC the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates , LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates , LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recovery is reporting inaccurate information to the credit bureau, Portfolio Recovery has reported 2 accounts in the amounts of {$540.00} and {$630.00} for accounts dated XX/XX/XXXX and XX/XX/XXXX, the amounts are incorrect and the account status reported as open is also incorrect, I have disputed the information with a direct dispute with XXXX XXXX and the solution reported that the accounts were accurate, no documentation or proof has been provided to me regarding these accounts, the information reported is inaccurate and affecting my credit in a negative way
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Profolio Recovery Assc has been threatened to sue and has reported on my 3 credit bureaus
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Portfolio in regards to an alleged account I noticed on my credit report around XXXX XXXX XXXX. I sent a letter on XX/XX/XXXX certified mail, requesting they send me more information regarding this alleged account because I did not know what it pertained to. I received no response from that letter. I sent another letter on XX/XX/XXXX asking for more information again, and again no response. I also sent a letter to XXXX on XX/XX/XXXX requesting their assistance with who this account was with or what this account was for, yet all they stated was that they verified the information. I tried one more time on XX/XX/XXXX asking XXXX to provide me with more information about how they verified the information and I still have not heard back from either company. It is against my consumer rights for these companies to place alleged debts on my credit report with no explanation or no verification when I am simply asking what this debt pertains to, since I am unsure of what it is.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A