Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with ViXXXX XXXX through a debt collection company named Portfolio Recovery Associates back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called Portfolio Recovery Associates and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with Portfolio Recovery Associates stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Accounts Portfolio Recovery Associates Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Portfolio Recovery Associates since XX/XX/XXXX regarding the accounts Portfolio Recovery Associates asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Portfolio Recovery Associates claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Portfolio Recovery Associates has asserted. It is distressing to note that Portfolio Recovery Associates has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX requirements and the Truth in Lending Act ( TILA ). On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Portfolio Recovery Associates claim I owe. Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation. As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX. It is imperative that Portfolio Recovery Associates comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Portfolio Recovery Associates rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies. I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The collection Portfolio Recovery Associates , LLC Keeps on calling me everyday collecting for a credit card debt XXXX that was discharged by the company years ago when I got sick from XXXX XXXXXXXX. The letter they send me says Account XXXX for the amount of XXXX I don't remember the amount but it wasn't that. I requested in writing for proof or paper work of this from the original company and didn't get a response. This company likes to collet on closed and discharged accounts they did it to me before. Can you please look into this. The addresses for Porfolio recovery they send are XXXX XXXX XXXX, XXXX, Virginia XXXX and the number XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX VA XXXX They call from a different number and different area codes every time Thank you for your help XXXX XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Portfolio Recovery broke the law and has cause me tremendous pain.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled a credit card debt with XXXX XXXX in XX/XX/2022. In XXXXXXXX XXXX XXXX Portfolio Recovery illegally contact the 3 Credit Bureaus claiming that I owed XXXX XXXX. Portfolio Recovery posted a collection in the amount of {$940.00}. I assumed the debt was legitimate since it was posted by the 3 credit bureaus. After closely looking at the last payment of {$150.00} to Portfolio Recovery, I realized that I'd been scammed. If Portfolio Recovery does not send back my money. I will escalate this grievance to higher authorities. I have attached the money order I sent to XXXX XXXX in XXXX XXXX XXXX which settled the credit card debt.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Collections account from Portfolio Recovery showed up on my Consumer Report, without ever reaching out about alleged debt out. I never received phone call or mail about alleged debt owed. I then attempted to contact the company by email and letter, requesting validation of debt owed and never received any correspondence back. I requested validation of debt. To this day, I have never received any communication from Portfolio Recovery regarding this debt or any validation that I owe the alleged debt. .
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery Associates contacted me via written correspondence and telephone in attempt to collect a debt allegedly belonging to me and all past the statute of limitations. I sent a cease and desist letter to Portfolio Recovery Associates via certfied mail. Tracking confirmed an agent of Portfolio Recovery Associates received the letter on XX/XX/2023. I continued to receive daily phone calls. On XX/XX/XXXX, I sent an email to XXXX with a 2nd written request to cease and desist communication. Portfolio Recovery Associates continues to call.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I send them a certified mail back in XXXX asking for the verification and proof of the debt USPS tracking XXXX Proof Claim and Debt Validation DATE : XX/XX/2023 PORTFOLIO # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX Request : Validation and Proof of Claim I recently pulled my XXXX credit report and found PORTFOLIO RECOVERY ASSOCIATES ( will be referred to as PORTFOLIO or you ) is listing I owe PORTFOLIO a debt. The account number is showing as XXXX for the claimed amount of {$16000.00}. I found similar accounts from PORTFOLIO on XXXX and XXXX ( see bottom ). Please see the attached XXXX credit report for your reference. If you are unable to match any such account to me please update my credit reports on all three credit bureaus as well any affiliated vendor or law firms if any. This action to update my credit reports must be done effective immediately. As I have no account with PORTFOLIO, nor am I your customer, nor have I entered into a contract with PORTFOLIO, I request the following documentation to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) What date did PORTFOLIO send me the 30 days that your PORTFOLIO was attempting to collect a debt? Please provide a receipt of this notice and the original plus subsequent notices. 2 ) Please evidence of your authorization to do business in my state. Please provide the California State DFPI license and the NMLS license of any agent of PORTFOLIO that has made any attempts directly or indirectly to collect this alleged debt. 3 ) Please provide evidence of PORTFOLIO 's authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. Such proof should be signed by an employee of XXXX XXXX XXXX and should list my full account at XXXX XXXX XXXX. 4 ) What is your authorization of law for your collection of information? Please provide all assignment information including the complete non-redacted bill of sale. Has PORTFOLIO followed all the assignment rules in connection to debt? 5 ) What is your authorization of law for your collection of this alleged debt? 6 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet or a non-typed signature. Specifically in regards to PORTFOLIO Account XXXX with complete non-redacted account information. Included all relative information. XXXX ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged on the credit report specifically in regards to Account PORTFOLIO XXXX from the date of inception to the claimed amount of {$16000.00} showing on my credit report. XXXX ) PORTFOLIO is showing XXXX XXXX XXXX XXXX. as the original creditor. If in fact, this is true I request a printed copy of this Card User Agreement and the whole account number from XXXX XXXX XXXX specifically in regards to XXXX. XXXX ) Was this alleged debt account purchased from XXXX XXXX XXXX with any restrictions that limit the collection activity of PORTFOLIO such as bringing forth lawsuits on any alleged debtors? Please list all restrictions that govern the sale of the alleged debt specifically in regard to XXXX. This can not be a blanket statement from a collection agency employee, vendor, or collection agency plaintiff lawyer. This statement must be made by a XXXX XXXX XXXX employee. XXXX ) Has an attorney reviewed the validity to collect on this account and possible restrictions? Has the attorney reviewed all restrictions to the allowable collection activity of an alleged debt? If so please provide a sworn statement for this by a California licensed attorney stating All information has been personally verified by me, this is an enforceable debt, all rules of assignment have been followed which included being able to bring court action against the alleged debtor, and I have read the entire nonredacted assignment contract from the original creditor and all re-assignments. This statement from the attorney must be made under penalty of perjury. XXXX ) What guarantees were made to the validity and accuracy of the dollar amount, interest, or fees of the alleged debt from XXXX XXXX XXXX to PORTFOLIO specifically in regards to Account XXXX? XXXX ) Has a 1099C been issued in regards to PORTFOLIO Accnt # XXXX from PORTFOLIO or XXXX XXXX XXXX? XXXX ) Please provide a privacy document when I have granted the original creditor permission to share my private information in collection with PORTFOLIO for this alleged debt. Additionally, provide subsequent privacy documents if this alleged debt was purchased from any other related business entity other than the creditor. XXXX ) Please provide signed authorization of all charges you are claiming that were made for the alleged debt amounting to the claimed amount of {$16000.00}. XXXX ) Please provide a chain of custody for PORTFOLIO Accnt XXXX including sales/ assignments from all related subsidiaries in the normal course of business. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter and will entitle me to presume that you reported this in error and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. During the debt validation period please CEASE AND DESIST any and all further attempts to collect this alleged debt including filing any court complaints, terminating any existing court complaints if any, and all data collection practices prohibited by California Consumer Privacy Act ( CCPA ) during the debt validation period. I will notify PORTFOLIO in writing if I believe the debt is valid no later than 90 days from your response. Please allow 30 days for a response on my side and a 60-day review period. I will need to validate your response with the original creditor. I will further need to verify your authority to do business in my local jurisdiction. Until I notify you of the validation you are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. In the event PORTFOLIO RECOVERY ASSOCIATES decides to sell this alleged debt I request you furnish the purchasing collection company with this request. CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/2023. Please process this request within 30 days in writing. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Accounts number showing this collection on my credit reports XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A