Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Portfolio Recovery Associates , LLC Follow up to your response dated XX/XX/XXXX I never open an account with XXXX, therefore I dont own any debt, to XXXX XXXX XXXX or to you Portfolio Recovery Associates , LLC XXXX On your response dated XX/XX/XXXX You Claim Because we purchased the account and contract XXXX XXXX XXXX had with XXXX Why have you not produce an Original contract copy with signature, that you claim you have Via Consumer Financial Protection Bureau on timely manner. Once again I never had any business relation with XXXX or XXXX. I have nothing to do with your office as well. There is not validation of account, ending in XXXX, with your office and you are nobody to validate an account for the reason that records of account ending in XXXX not mines. In return your office continues molesting me and affecting me by all means possible Send me a cancellation letter for account ending in XXXX at the receipt of this notice and send me the cancellation letter via Consumer Financial Protection Bureau Im forced me to file a Police Report Copy of your response dated XX/XX/XXXX XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX ( XXXX ) reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$9900.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. Because we purchased the account and contract XXXX XXXX XXXX had with XXXX to pay the balance due, no other contract or signed document bearing my signature between XXXX XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated several disputes regarding the account. In response to the disputes, PRA sent you letters containing validating documentation from the original account. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time
Company Response:
State: FL
Zip: 33134
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 notice of right to dispute
Consumer Complaint: XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately. At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification. So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt. They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX
Company Response:
State: NY
Zip: 10460
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: CT
Zip: 066XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: CT
Zip: 066XX
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: Note : Portfolio Recovery Associates was sued in a class action lawsuit in XXXX and again in XXXX for violations of FDCPA by which they lack sufficient evidence to properly obtain default judgments- ( see. Portfolio Recover Associates, LLC et al. Consumer Action ( XXXX ) and XXXX. ) Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to privacy in which they have furnished the credit bureaus with inaccurate, incomplete, and unverified information. ( see attachedments ) I have requested several times for PRA to provide me with sufficient admissible evidence of the debt 's existence. This was to include any and all information with original Creditor showing where PRA purchased the debt, wet signature documentation, accuracy of debt, ect. PRA has only responded with Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to Privacy. They have cause great harm character voiding ability to obtain credit. I'm also requesting that of PRA, XXXX, XXXX, and XXXX to uphold their obligation under the FCRA to properly and fully investigate the accuracy of this account credit file and to immediately delete account without prejudice.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Creditor is calling someone who is not me. I have tried to reach them through mail for debt validation and no response. The person they contacted was given all directions on how to look into a debt they say I owe and even provided the last 4 of my SSN in order for him to sign in to look at personal information. This person is NOT my spouse. The companies name is Portfolio recovery.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent certified mail to portfolio recovery on XX/XX/XXXX and asked for validation on the accounts and to send me a signed contract supporting that the account is mine. They have not sent the information except a old bill and a bill of sale. Portfolio recovery : ( XXXX XXXX ) opened XX/XX/XXXX. Amount {$1400.00} Portfolio recovery : ( XXXX ) Opened XX/XX/XXXX Amount {$8600.00} XXXX Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$2500.00} Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$5200.00}
Company Response:
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, XXXX XXXX XXXXXXXX Portfolio Recovery ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A