Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a 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
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2021 XXXXXXXX XXXX in accordance with the law fair credit reporting act your company has violated my right 15 usc 1681 stated. i have the rigth 15 usc 1681 section 604 A it also stated a consumer reporting agency without my permission
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The Portfolio recovery debt collection is sending mail they will take legal action again me they continue to call me harassing me I have trued to dispute inaccurate balances with no luck. I need help
Company Response:
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery continues to call spoofing different numbers to reach. I personally warn them to stop calling and yet they continue to call. ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Greetings! I am writing to inform you about a probable scam or phishing attempt. Even though I do not own any debt, I get collector calls from Portfolio Recovery. These calls may be fake collector calls. I have not received any information from this company. They did not mail me a written notice, which is required for collectors according to the Fair Debt Collection Practices Act and the Consumer Financial Protection Bureaus Debt Collection Rule of 2021 ( CFPB, 2015 ; CFPB, 2023 ). Sources : CFPB ( 2023 ). CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Portfolio Recovery Associates has been harassing me and contacting me nonstop since XXXX about a debt from XXXX on behalf of another company XXXX XXXX XXXX XXXX ) The debt has been discharged and charged off. I'm not sure why it is STILL being reported to the credit bureaus. I have never had any dealings with Portfolio Recovery Associates or owed them any money. Despite my attempts to explain this to their representatives, they continued to harass me and threaten legal action if I did not pay the debt.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXX. XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: 2015 garnishes my pay check No knowledge of debt No contact from collections agency just letters from court about garnishment
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A