Date Received: 2023-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio recovery has been harassing me, they refused to send the contracts I supposedly signed and theyve been calling me after I told them not too, which violates federal debt collection practices!!
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Not my account. Dont owe. Delete from my credit. No contract
Company Response:
State: CA
Zip: 93245
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. The following accounts were not opened or authorized by me : # 1 PORTFOLIO RECOVERY Last reported XX/XX/2023 {$870.00} # 2 XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Regenerate response
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft and have sent the required information to the required consumer reporting agencies. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c2(c)(1)(A). I am seeking an immediate response from COMPANY NAME in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law. I declare under penalty of perjury (under the laws of the United States, if executed outside of the United States) that the foregoing is true and correct to the best of my knowledge, Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also am aware that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company- without my authorization or knowledge- used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. This has caused me to suffer and its defamation of my character. They have also violated the following: 15 U.S. Code 1681(e)(b) - Compliance procedures-ACCURACY OF REPORTWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1692g- Validation of debts (a) Notice of debt: Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- (2) the name of the creditor to whom the debt is owed; I am the creditor under 15 U.S. Code 1692a so the debt is owed to me. 15 U.S. Code 1692j- Furnishing certain deceptive forms (a) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person os not participating. I am not participating in the collection of this alleged debt. 18 U.S. Code 1028(a)- Fraud and related activity in connection with identification documents, authentication features, and information.2 (2)knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority; (3)knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents (other than those issued lawfully for the use of the possessor), authentication features, or false identification documents; (4)knowingly possesses an identification document (other than one issued lawfully for the use of the possessor), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States;
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates continues to break the law and violate consumer 's rights. They refused to send requested documentation that would allow XXXX XXXX to verify the validity of the alleged debts furnished to credit files. Portfolio Recovery Associates willingly and intentionally continues to engage in intimidation, deception, and illegal debt collection tactics. They have made representations about unsubstantiated debts and misrepresented conducting sufficient investigations furnishing inaccurate information to XXXX. In retaliation for attempting to validate the alleged debts furnished, Portfolio Recovery Associates changed the date of last activity to XX/XX/23. This looks deceptive and suspicious. This attempt to misrepresent this alleged debt is to intimidate and harass consumer and violate the cease and desist direct and indirect communication demand. They purposely furnished this erroneous and false derogatory information to injure the consumer.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio recovery associates have sued and threatened me via phone numerous times over small credit card debt ( sued over 5+ times over a {$3000.00} credit card debt ) have had many harassing attempts to serve me by knocking at my door at all times of day and making threatening remarks through the door. This is most horrific experience I went through. The credit card debt they purchased was due to medical issues I had back in XXXX they have no empathy and are relentless. Please help.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A