Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: GA
Zip: 30236
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: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I HAVE SEVERAL FRAUDULENT CHARGEOFFS SHOWING ON MY CREDIT REPORTS FROM PORTFOLIO RECOVERY FROM OVER 7 YEARS AGO, IVE ASKED FOR DEBT VALDIATION SEVERAL TIMES AND THEY HAVE NOT PROVED OR SENT ANYTHING AND HAVE DISPUTED IT ENDLESSLY AND IT ALWAYS COMES BACK VERIFIED INSTANTLY, THEYRE REPORTING INACCURATLEY ACROSS THE 3 DIFFERENT CREDIT BUREAUS, THEY HAVE ADDED ADDRESSES IVE NEVER RECIDED IN AND ALSO MY BIRTHDAY ON XXXX IS INACCURATE SHOWING MY DOB AS XXXX I WAS BORN IN XXXX. I SEE THERE IS NUMEROUS CLASS ACTION LAWSUITS FOR THERE FRAUDULENT BEHAVOR AND SCARE TACTICS I HAVE RECEIVED SEVERAL PHONE CALLS TRYING TO INTIMIDATE ME AND SAY I WOULD BE ARRESTED FOR NOT PAYING. THE STATUE OF LIMITATIONS FOR THIS SO CALLED DEBT HAS EXPIRED YEARS AGO I NEED HELP REMOVING IT FROM MY CREDIT AS IM IN THE PROCESS OF BUYING A HOUSE.
Company Response:
State: NY
Zip: 10306
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I want to join the lawsuit against Portfolio Recovery Associates who has caused to hire an attorney on more than one occasion to defend against a frivolous lawsuit filed.
Company Response:
State: FL
Zip: XXXXX
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: its daily for the past XXXX to 3 years at least XXXX to XXXX calls a day with Portfolio recovery Different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number different phone numbers different parts of the country. They called me from the gym. Call me from a XXXX number your data. sometimes they call the middle of the night sometimes they call early in the morning
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
Company Response:
State: TX
Zip: 75604
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: the card was opened fruaditly I contact the credit Breau, and they state is a valid debit and it is not i have asked several times for the debt to be removed or validated and they have no complied.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had filed XXXX XXXX bankruptcy and discharged on XX/XX/XXXX. Come to find out Portfolio recovery had placed a lean on my property without my knowledge. I did not know I was being sued for such debt nor do I know if the debt portfolio recovery was trying to collect is even mine. I have reached out to portfolio recovery on XX/XX/XXXX and was notified that I no longer owe the debt but the lean remains with the amount and they are not going to remove the lean until the debt is settled.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This credit card was a XXXX XXXX XXXX XXXX that i disputed the debt, balance is all fees no transactions and the debt was sold in 2013 to PRA who then refused to validate the debt, I believe this account is a time barred debt, and that PRA pursued collection on the debt and obtained an unlawful judgment against me and has a hold on my bank account in the amount of {$1100.00}
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They have been sent 3 letters and have not supplied any signed contract showing I owe this debt. They can not show a Contract with a wet signature from me.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company calls me REPEATEDLY dozens of times a day. And during the week. They threaten to take legal action etc. and honestly it is irritating the amount of times they call.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A