Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, i mailed a cease and desist notice to Portfolio recovery associates LLC. via priority mail. They kept calling me stating i owe them for 2 accounts. I have not done any business with them. I have requested for them to send me the original contract with my signature. The first amount they are stating i owe is XXXX and 2nd amount they are stating i owe is XXXX. I have contacted repeatedly to remove it from my credit report as i do not owe them any money. I tried disputing it with all 3 credit bureaus and no luck. On XX/XX/XXXX i requested to start a dispute with portfolio recovery associates. I have not received any updates.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio Recovery Associates checked all 3 of my credit scores via hard inquiries without my permission and was apparently ignorant enough to think I wouldn't check. I would like to submit a formal complaint and have already been in contact with a lawyer.
Company Response:
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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: This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Portfolio Recovery Associates on XX/XX/2022 by US Postal certified mail. I requested proof of a written contract with contractual obligation between myself ( with my signature ) & Portfolio Recovery Associates, and to date have not received it. Portfolio Recovery Associates is reporting to 3 major credit bureaus that I own them {$670.00}, and that is inaccurate. The certified letter is attached & US Postal Service receipt attached also.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent written notification to Portfolio Recovery Associates LLC requesting documentation of any contractual relationship between myself, & Portfolio Recovery Associates LLC. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Portfolio Recovery Associates LLC, {$1400.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. The response from Portfolio Recovery Associates LLC was an XXXX computer generated response that did not lawfully respond to my request.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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: To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Your response should to me should include the following at a minimum. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. What did it cost your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes to above : Who did you speak to? On what date? How long was the conversation? What was their position? What telephone number did you call? What is the name of the employee of your company that spoke directly to the above party? What is the position of the employee of your company that spoke directly to the above party? How long has that employee been employed by your company? What formal training was provided to this employee to investigate items of this kind? Was there any e-mail or written communication between members of your company and the above party? Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the SPECIFIC date reporting that these items will cease. Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of accounts that you claimed were verified.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, I am responding to your contact about a debt you are trying to collect in the amount of {$4800.00}. Please supply the information below so that I can be fully informed : Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you determined that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Company Response:
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company keeps calling my job and harassing me. I can not receive personal calls at work.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Threw the fair credit reporting act I am allowed bi law to dispute and validate the debt before any negative actions is taken against me and my credit report I have tried for the past to years showing proof that they did not contact me because I was not located at the address they mailed the letters to. You are unlawfully trying to collect a debt that you forfeited bi not awarding me the opportunity to validate the debt. I have awarded the attorney general of New York State of the violation since it is also past the statue of limitation of the debt. This will be forwarded to them and your tactics.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Portfolio Recov Assoc has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with Portfolio Recov Assoc. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A