Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I asked a collection agency to provide me with proof of debt and the original contract and they never did
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 28 years ago in 2005, my foster son broke into my bank accounts and credit cards and took out numerous payday loans in my name. He was arrested, charges were plea bargained down to one lump charge and he did his time. For one of the payday loans refused the courts settlement and these credit collections companys buy it every years. Portfolio collections has bought it and have been burning up my phone, leaving threading messages. When you call back all you get is a recording no live person. Im tired of being harassed and having to fight to keep getting this removed from my credit report. Its been 28 years. There have been other complaints you helped remove this same issue and have copies of the court documents.
Company Response:
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX accordance with the Fair Credit Reporting act Portfolio recovery account # XXXX, has violated my nights. 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. Or my next steps will be contacting the attorney general regarding this matter
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been told by family members that there was an attempt to serve me at their residence, which I do not live. I was receiving harassing phone calls. I have received harassment mail being threatened to be sued by Portfolio Recovery Associates. Several different amounts mentioned for a debt. None of the amounts have been accurate or correct in any ways. I have sent a dispute and validation letter by certified mail and have never received a proper response to my letter. There was a {$990.00} on XX/XX/XXXX. I received another letter on XX/XX/XXXX for {$770.00} and another for {$750.00}. Falsified lawsuit docket number letters have been sent to me. I have certified mail receipt confirmation of my attempt to contact Portfolio Recovery Associates and no appropriate response was received.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery Associates is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX XXXX not sure how an account can be delinquent 2 years before it was supposedly even open XXXX XXXX XXXX is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I continue to receive countless letters, phone calls, and inquiries on my credit report from Portfolio Recovery Associates , LLC, despite the fact that this debt was not only false to begin with, but Portfolio Recovery Associates , LLC continues to send letters and conduct unauthorized inquiries on my credit report, as recent at XX/XX/2023 even though the alleged false debt is outside of the statute of limitations and is considered to be time-barred. I have sent a certified letter demanding they immediately stop contacting me in any way, as well as demanding they stop the inquiries on my credit reports, as this is unauthorized and illegal, according to the Federal Trade Commission.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Have requested for this company to stop calling me numerous of times.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid off most debt ; all of my accounts in collections should be closed. I have confirmation emails I printed out. But one company in particular keeps resetting my balance after being paid off completely and closed. The balance I owed was a little over {$3000.00}. On XXXX, it states that the balance was {$0.00} in 2022. I started paying through a third party where my payments were distributed to all of the accounts in collections. I paid off most of them through this third party. I had to stop payments because this company kept harassing me. When I talked to them they said I still owe full balance and didnt see the payments and after an hour of fighting with them, they finally saw that I did pay and the balance left was a couple hundred dollars. So I ended up setting up payment plans with them ; two payments of {$70.00} and {$30.00} were taken out weekly or bi-weekly just to hurry up and close the account. But because of them forcing me to do payments with them instead, I couldnt go through the third party anymore because I was sure that they would still get the money through them. I finally paid the full balance of the two accounts I had open with them ( one ~ {$3000.00} & the other one ~ {$300.00} ) and Received confirmation. Then, after I lost my job they start calling again. They reset the balance and say I owe the full balance once again of {$3000.00} and they were trying to take money I dont owe them out of my account. I had to write my bank and tell them not to allow it because I already paid them off and now they keep harassing me- it has been four months and they call me every single day. I definitely over paid them. Well this is a reoccurring theme. A lot of debt collectors have been trying to scam me like this, but this one has been the worst. Portfolio Recovery Associates. I should have nothing in collections ; it should either be paid or disputed. This is what I get for trying to be responsible and do the right thing. This has made me stop paying everything all together. I swear since COVID, every one is scamming now and money is tight. My credit score was almost at XXXX finally, I worked hard to do that and now dropped to XXXX I really hope this isnt the reason why it did.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called on XXXX XXXX 2023 they didnt resolve it.I indicated that I had no contract with any of these companies.It was told to that it was disputed two times and came back in there favor.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A