Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/XXXX since I had not heard anything from this company I sent out a second round of validation letters and still received no response. I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Bank through its XXXX ( XXXX and XXXX ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, XXXX XXXX charged off the amounts and sold the debt to Portfolio Recovery Associates , LLC who claims that I owe them {$13000.00}. I received first written correspondence from Portfolio Recovery Associates in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address XXXXXXXX XXXX used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XXXX I contacted XXXX XXXX directly and opened a fraud complaint. I received a XXXXXXXX XXXX fraud investigation form and faxed the completed form back to XXXX XXXX on XX/XX/XXXX. Now I am waiting for XXXX Bank XXXX XXXX XXXX to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with XXXX, XXXX, XXXX and XXXX XXXX Moreover, I never submitted any applications for credit with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Furthermore, I have never received any communications from XXXX, XXXX, XXXX XXXX XXXX XXXX that I have any credit approvals or debt outstanding. I have not received any physical credit cards from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX either . I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at XXXXXXXX XXXX since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX. On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against XXXXXXXX XXXX and Portfolio Recovery Associates , LLC ( Complaint Number XXXX ) in connection with the credit card account number referenced above. On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named XXXXXXXX XXXX in Complaint Number XXXX. Also, on XX/XX/XXXX I am submitting this new complaint against Portfolio Recovery Associates , LLC ( PRAC ). PRAC is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at XXXXXXXX XXXX, however PRAC has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that PRAC must follow up directly with XXXXXXXX XXXX to resolve their interests in this matter.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection on my account and they keep updating the date every couple months. The collection will disappear then come back. Or they update the date to a more recent date and my credit score keeps dropping and Ive worked REALLY XXXX hard to get to where Im at with my credit score. My score just dropped by XXXX points and I have NO missed payments and nothing that would cause this to happen. The debt collector is portfolio recovery it says original creditor is XXXX XXXX I do not know what this debt is. its for {$710.00} from 2018 and I dont ever recall having a XXXX XXXX credit card in 2018!! It also said something about sprint. I dont have XXXX as a phone provider and NEVER have. My mom did when I was like XXXX but I NEVER have. Also I didnt have ANY credit cards in 2018. At all, so how is this account opened in XXXX of 2018!? Ive never had sprint and I had ZERO open credit cards in 2018 I want this XXXX debt removed from all 3 of my reports! Its ridiculous and they keep changing the dates and updating it so the date becomes a more recent debt! Im SICK OF IT. I want it removed!
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: When I reached out and disputed this charge and ask them for the following information : The original contract with my signature on it, the billing statement and itemize billing history, proof that they have the right to collect this debt, and proof that are license in Washington , DC. The amount is for XXXX. I contact them on XX/XX/XXXX and on XX/XX/XXXX.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested a proper validation of debt that this company has failed to brandish. Further more I have been subjected to several threatening phone calls from this company stating that they are going to sue me and there will be no way for me to claim it isn't mine because " they made sure of that ''
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Services have acquired information from a company in which is a debt buyer and have not given me the right and proper form of dispute in which includes the consumer requesting UCC 9-210 I have the right to request for accounting of the original ledger and authenticated record. I also have the right to privacy of my non public personal information in accordance with 15 USC 6802, I have the right to opt out of sharing this information but have not received any information in regards to opting out, portfolio recovery is violating FDCPA, Code of Federal Regulations, Fair Credit Reporting Act. Procurement of consumer report for resale is also prohibited by the consumer not being notified. Please delete from your information in which this information is incomplete and inaccurate. I have no contract with this company with my wet ink signature.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I sent out certified letters regarding inaccurate and unknown things on my credit repots to XXXX, XXXX, and XXXX. On XX/XX/XXXX I sent a letter to both Portfolio Recovery Associates and XXXX XXXX with no response from XXXX XXXX. After feeling as though I am being taken advantage of I decided to file a complaint with the CFPB. On XX/XX/XXXX I filed a complaint for both Portfolio Recovery Associates and XXXX, Today XX/XX/ I received and email from the CFPB Stating that this complaint ( XXXX ) lists someone the company does not recognize as their customer or their customer 's authorized representative. I demand these accounts be removed immediately or I will have no other choice but to file for litigation due to the stress this has cause me and how this has affected my ability to provide for my family. My information has also been impacted by the XXXX data breach and my have got into the hands of the wrong person.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : Portfolio Recovery - XXXX XXXX I was never late on the payoff account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment The FCR a allows 30 days for this to be rectified.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no idea who they are!! They call me every day sometimes 2x a day!!
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A