Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance XXXX shows open, its closed due to no payment went through divorce he was suppose to pay it but its closed Also there was another account open for same credit company, the same exact date for XXXX. XXXX took the one off for XXXX transition did not. I believe they should both be taken off due to the incorrect information being on my credit report for so long and me constantly having to find ways to get them taken off. Date opened was XX/XX/2018 same as the other one from XXXX XXXX XXXX back and they both still say open. How can it be open when the account cant be charged on and it was closed? They refuse to take it off no matter what I dispute on it
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I was approved for & received a Capital One mastercard only as a ruse to harass me for a previous bill I never incurred. After I closed this card, XXXX XXXX, the collection agency assigned to that bill called, throwing my personal data in my face that Capital One gave them. This is fraud & data mishandling of the highest order.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After viewing a copy of my report, I noticed a collection account placed on my credit report from Portfolio Recovery on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector Portfolio Recovery is not licensed in the state of Florida to collect on this debt. Secondly, Portfolio Recovery violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Portfolio Recovery? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Portfolio Recovery has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Portfolio Recovery provides me with competent evidence that I have any legal obligation to pay them. I asking that Portfolio Recovery to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Portfolio Recovery immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Portfolio Recovery agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Portfolio Recovery agrees to remove my personal information from all accounts in its companies database.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Portfolio Recovery Associates LLC is send me collection papers representing themselves as XXXX XXXX XXXX XXXX. They have yet yo prove I owe the debt, but they are sending letters from an attorney.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability. Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file. If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due. If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings. The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA. In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress. According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person. In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased. You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent. Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability. Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file. If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due. If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings. The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA. In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress. According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person. In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased. You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent. Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A