Date Received: 2023-05-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Said company is trying to collect a debt that is not owed to them.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I reached a settlement with Portfolio are over Associates and per the attorney and their website the file should be removed from my credit report. Instead I got notification that it was updated as settled for less then full amount NOT removed. I have attached proof of payment, a screenshot directly from their site stating they would REMOVE as well as communication from their attorney.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Portfolio Recovery Associates , LLC BALANCE {$4300.00} DEBT OPEN UP XX/XX/1999 They have continued to collect {$38.00} from me monthly..
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: How do I join the CFB fund to recoup damages from portfolio recovery PRA?
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have only had two credit cards with XXXX XXXXXXXX and they are currently in good standing. Ive never had any other XXXX XXXXXXXX credit card accounts.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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. This company responded to the last complaint with out providing proof of written authorization and is Illegally using my credit report. I demand proof that these account ( s ) are mine.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notification that my credit score dropped a couple points and when I checked my credit monitoring account there was two accounts from Portfolio Recovery A in the amount of {$980.00} and {$420.00} ( opened XX/XX/2020 ) from XXXX XXXX credit card company. I currently have two XXXX XXXX credit cards in great standing and has never had any others. This is not my debt and I would like it remove from my name and social security number asap.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This cause of action is for damages based upon Portfolio Recovery deceptive conduct and efforts to collect a debt, Portfolio Recovery failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, governing communication between a debt collector and consumer without my prior consent from the consumer, caused I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Portfolio Recovery extortionate means to collect a debt. I am bringing this notice to Portfolio Recovery attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into pay this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A