Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account was initiated over 12 years ago and they created a new date and I can't explain how they were allowed to do that.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For years now, Ive disputed the account of XXXX XXXX that were placed on my credit reports by Portfolio Recovery. Ive even sent an Affidavit of Truth and was largely ignored. Neither, did the company contact the CRAs and informed them that I was disputing the debt and/or proof of the alleged debt, which caused distress and my credit to be affected. The most recent communication with Portfolio was on XX/XX/2023, in which I sent an email reiterating that the account doesnt belong to me and was largely ignored. Yet, the account remains.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.
Company Response:
State: AZ
Zip: 86326
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. I was never served on this account, you are wrong court shows that I was never served I have proof you wrong. We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX XXXX Ending in XXXX. Send me the cancellation letter via Consumer Financial Protection Bureau for my security. Within 7 business days. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being 7 years old. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 I disputed this with XXXX requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Attached, you will find the documentation to validate a debt collector, Portfolio Recovery Associates , LLC whom has been inaccurately, reporting information regarding my credit history. Falsely reporting late payments, delinquencies and collections in accordance to my name as a consumer, but not accurately in accordance with this account as a consumer. According to this document, portfolio recovery associates, LLC., which I am not linked to. There is no validation that has been provided to me as a consumer to validate this account in accordance with 15 US code 1692g. I submitted a dispute in XX/XX/XXXX and the account was not validated or deleted upon me submitting information to the credit bureaus regarding portfolio recovery associates LLC. The XXXX account they are referring to has already been deleted and removed from my credit history. Portfolio Recovery Associates , LLC refuses to follow the fair debt collection practices of validating evidence against me as a consumer. They attempted to intimidate me by filing a suit against me, however, failed due to lack of evidence, linking me to the accounts, they are attempting to collect debt for. This is a formal dispute regarding the account portfolio recovery associates LLC. Portfolio recovery associates , LLC was sold on XX/XX/XXXX of XXXX regarding a XXXX XXXX XXXX. Account number beginning with XXXX. Account balance at the time of sale was {$3100.00}. XXXX XXXXXXXX XXXX XXXX XXXX was closed XX/XX/XXXX with a XXXX balance as I reported the card stolen or lost. As a consumer I opened that account XX/XX/XXXX, five years and eight months with a payment history, reflecting 100 % of payments made on time until this occurrence. In an attempt to clarify the origin of the portfolio recovery associates , LLC I called XXXX customer service and was unable to communicate with the gentleman that this XXXX account associated with this debt collector was in accordance to a XXXX XXXX account that had been closed years prior. Due to his lack of understanding, investigating and merely communicating with me as a consumer he stated that the account was not related to a XXXX XXXX account because it started XXXX. I advised the gentleman that I would send the information over to the bureau so that my financial account could accurately be updated and error be deleted. Portfolio recovery associates , LLC continues to open accounts under my name as a consumer and to which I am not associated with and I have the documentation which I will continue to provide in order to clear my credit history in the most efficient and accurate disposition. The inaccurate reporting of information regarding me as a consumer is fraudulent. I have no association with portfolio, recovery associates, LLC, and there is no competent evidence bearing my association with them or that I have a contractual obligation to pay this third-party debt collector. Any negative mark sound of my credit, including other credit bureaus must be removed immediately. I do not owe this company a debt. According to 15 USC 1692 g validation of debts ; I do not recognize how this account is reporting on my credit history/report. I do not recognize this account number. I do not recognize this account status. I do not recognize the high balance associated with this unrecognizable account nor do I recognize these late payments or no data related to a payment history whatsoever. According to an account related to XXXX XXXX, XXXX and the debt collector portfolio recovery the debt on XX/XX/XXXX was {$3100.00} and had a past due amount of {$3000.00}. I submitted a dispute and XXXX and the debt collection agency portfolio, recovery and associates. LLC reported to the three credit bureaus. The account was in collection for about five years. I filed a dispute with XXXX, XX/XX/XXXX of XXXX, and due to the inability and an accuracy of portfolio recovery and associates being able to link me as a consumer to this debt. The account was closed. According to portfolio recovery Associates LLC the date of my first delinquency was XX/XX/XXXX, the date that they reported this was XX/XX/XXXX. The portfolio recovery associates , LLC is in accordance with an account no. XXXX reference no. XXXX. The seller is XXXXXXXX XXXX in the amount of {$3000.00} You will also note a communication letter from a debt collector sent to address, XXXX XXXX XXXX XXXX This is not my place of residence, this is not a residence to which I am associated with or to where I reside. I have disputed this address in the past, and it was previously removed. Portfolio recovery associates LLC continues to an accurately send forms of communication to homes within my community that reflect poorly upon a consumer related to their finances and a defamation of character. This is by all means, inappropriate, inaccurate, misleading and above all else wrong. Portfolio recovery associates , LLC has violated 1692 ( e ) by without my consent, or knowledge, obtaining soft increase from XXXX along with XXXX XXXX XXXX, XXXXXXXX XXXX, and the XXXXXXXX XXXX I am a palled by the information that I have obtained in accordance with my recent consumer credit report. I respectfully request that this entity refrain from contacting me in the future, as I am not associated with this debt nor am I associated with the debt related to XXXX XXXX XXXX I also respectfully request that portfolio recovery associates , LLC provide me with competent evidence that I am in legal obligation to pay them. Failure to respond in accordance with act 15 USC 1692g ( five days ) to all references to this account, must be deleted and completely removed. Please note that I have also attached a legal document, granting notice of non-suit, defining and concluding that portfolio recovery associates LLC lacks the information to connect me as a consumer in any way to an account that has already been deleted. Portfolio recovery associates , LLC has been reporting inaccurate information against me as a consumer, for five years, In conclusion, I would like to note a collection is by default late and past due, not an open account. The documentation I have attached reports that the status of my account is {$3000.00} past due as of XX/XX/XXXX that is inaccurate. Inaccurately reporting that this debt was only in relation to a XXXXXXXX account, and not specifying XXXX XXXXXXXX XXXX XXXX is also fallacious to the credit bureau and myself as a consumer. You will also note XXXX XXXX XXXX XXXX is not on my credit history as of today. Portfolio recovery associates LLC is also obtaining a debt in accordance with a cXXXX XXXX account that I am not associated with. In the same manner and fashion, I have attempted to dispute these accounts and have been unsuccessful. This company continues to report false information and I will also attach that information. Please delete the inaccurate information promptly and with integrity to me as a consumer.
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Solutions has untainted a fraudulent credit card debt open with my SS # and is continuously harassing me through phone calls. I have disputed this account several time with no resolution.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. Thank you for your assistance in advance.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX i disputed this account, I requested for this collection agency to validate the alleged debt, they failed to do so. They sent an itemization of charges which by law is not considered validation of debt. I asked for a proof such as the original contract and or my signature. The company failed to provide me with the requested information. The law 91-50 Title VI section 611, Subsection A-D clearly states if i request proof and or validation of alleged debt I'm entitled to obtain a copy of it, which was NOT provided by Portfolio Recovery Associates XXXX
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A