Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is XXXX XXXX and i have been in touch with the official president of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Company Response:
State: AL
Zip: XXXXX
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: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Portfolio Recovery called me at XXXX in the morning on XXXX/XXXX/2023. I didnt answer. Portfolio Recovery called me at XXXX in the morning on XX/XX/2023. I didnt answer This is not on my credit report and is past the statued of limitations.
Company Response:
State: WA
Zip: 98037
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery in XXXX calls me at least three times a day over a 7-day period. If I do not answer, they will call from a different number. I have asked to stop the repeated phone calls as I work and they are constantly calling. For the past week, I have received three phone calls a day from Portfolio Recovery.
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This account opened XX/XX/2021 in the amount of XXXX. Aggressive contact attempts are made regularly.
Company Response:
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
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: XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. PORTFOLIO RECOV ASSOC XXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with XXXX XXXXXXXX in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.
Company Response:
State: AL
Zip: 351XX
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: XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with capital one in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT To Whom It XXXX Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such a consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such a person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I recently placed a complaint in regaards to Portfolio Recovery Associates, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from XXXX XXXX XXXX XXXX XXXX. However, this was false information. As I stated in my feedback, I receive XXXX Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. However, I contacted XXXX XXXX in regards to my XXXX account. After searching endlessy, I found emails from XXXX XXXX, in my junk mail ( emails ). They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. I called, XXXX and spoke with XXXX. She informed me, that a dispute was sent to Portfolio Recovery. She also informed me that, within 60 days, my account should be back with XXXX XXXX and I should not have to deal with Portfolio Recovery Associates.
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A