Date Received: 2023-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I checked by personal account and my husbands joint account that I have with him and both accounts are frozen. I was unaware that I had a default judgment and they are freezing my accounts saying that they are attempting to collect a debt that I was not aware of that Is over XXXX. My husband is now behind on car note and our house payment plus return fees due to them freezing account while bills were being drafted out of account. My child also gets social security and this is definitely a hardship on my family with them doing me like this and I was unaware of Everything. It states portfolio recovery bought debt from XXXX XXXXXXXX but I have only been with XXXX XXXXXXXX since late XXXX so I dont know what theyre garnishing/freezing my funds for. When I contacted them ( portfolio recovery ) they basically said itll be frozen until my bank sends them the documents requested but how am I supposed to provide for my kids with accounts frozen.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 been disputing an alleged account # XXXX form Portfolio Recovery Associates LLC that has been reporting on my consumer file without any validation that this account is actually mines. There is also 2 another account holder on this alleged account that I have no knowledge of. When disputing with the bureaus i received a letter saying that the account had been validated, but how exactly was this account validated. The company themselves Portfolio Recovery Associates LLC did not properly validate this alleged account. I have attached the documents that they mailed to me saying that the served as validity. A generated account statement is not validation, I asked Portfolio Recovery Associates LLC for proof that I owed their company any debt and they sent a generated letter form the alleged company who sold them the debt. This company was not in contact with me about selling any of my information pertaining to an alleged debt or anything that I have not given written communication about to another company Particularly Portfolio Recovery Associates LLC who still has not provided me with proof/bill of sell, to prove that I need to pay an alleged debt. The letter that Portfolio Recovery Associates sent me from the alleged original creditor does not show my actual address where I have been located for the past 5 years. So, this letter of sell was never delivered to me because again I never gave this company any written permission to sell my information and or consumer file. I XXXX XXXX, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. Portfolio Recovery Associates LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681 section 602 A. which states that I have a right to privacy, 15 usc 1681 section604 A states that a consumer reporting agency can not furnish a account without my written instructions, 15 usc 1692b ( 1 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; 15 usc 1681 ( 4 ) 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. 15 usc 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. False reporting from Portfolio Recovery Associates has caused more damage to me proving credit worthiness when needing new credit to provide housing for my family. I have done my part in properly asking for proof that this alleged debt is mine.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hired XXXX XXXX to assist me with incorrect information showing on my credit report several years back which Portfolio or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, Portfolio and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. XXXX XXXX XXXX XXXX XXXX Portfolio Recovery multiple accounts XXXX multiple accounts
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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've contacted " Capital 1 bank '' to validate a debt they say I owe. They have not validated the debt. But, they still say I owe. The amount is for {$760.00}.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio Recovery has tried to collect this debt by contacting me and my employer to collect this debt. I am unaware of what this debt they are trying to collect is. They have yet to provide me with the proper documentation to link me to this debt. No signatures from the original contract, no identifying information and has yet to respond in a timely matter for its investigation.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. Further more pursuant 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. You PORTFOLIO RECOVERY have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You PORTFOLIO RECOVERY Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations unde r 15 USC 1692 e that you are implementing your self. Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is CCed to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney ). Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any Judgements been obtained by any creditor regarding this account? Yes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary :
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
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: If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX. This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Portfolio Recovery Associates Account # 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. XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Portfolio RC Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A