Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the first time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both XXXX and XXXX to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: the collection agency handling this debt collection from the credit card company XXXX XXXX is reporting to the credit bureaus as unpaid although I have paid directly with XXXXXXXX XXXX the credit company reports as paid in full paid satisfactory the debt collection agency keeps trying to collect the debt that has been paid in full calling to collect debt and mailing the statement to send payment balance {$620.00}
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/XXXX. '' In response to my previous complaint PRA stated that : Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX. However, my dispute was not about when the account was opened, but about when it was closed and the fact that that closure was more than 7 years ago and the fact that PRA is illegally reporting account that is too old to be reported. Please delete the account or provide evidence that the last payment was made less than 7 years ago.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I asked for original information and never received any. I also told them to stop calling me.
Company Response:
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is an out of statue account since this was paid so many years ago, and I am not liable for the repayment of this account.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a debt that was purchased by portfolio recovery. I made payment arrangements and paid in full and portfolio recovery sent me a paid in full notice showing balance XXXX but it is still showing the full amount on my credit report. I have disputed it with all credit bureaus but they are not removing it. Or showing the XXXX balance.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: When Portfolio Recovery Associates ( LLC ) first began calling me in XXXX, I explained that I did not know them or owe them or their people any money. I asked them nicely to stop calling me, but they call me all through the day-everyday.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In approximately 2021, Portfolio Recovery Associates , LLC, began calling me repeatedly even after I told the caller to stop calling my telephone number because I did not know of them or whatever names they were also associated with at that time. But, they are still calling all day-everyday.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company want to collect a debt they say I owe. Amount is incorrect.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A