Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Illegal Lien on House Property Debt belongs to my spouse not me. House belongs and is registered only to me. Collected more than the debt Did not ever notified by mail, email, phone call prior Never divulged name of creditor. ( XXXX # XXXX ) The debt was from XXXX and a judgement was established on XX/XX/XXXX in XXXX XXXX by Portfolio Recovery Associates LLC Assignee of XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The debt was paid on XX/XX/XXXX by XXXX XXXX XXXX for {$1100.00}. However the debt belonged to XXXX XXXX XXXX ( Spouse ). The home is register only to XXXX XXXX XXXX and XXXX XXXX is not a co-owner of the property. A lawsuit is being considered against Portfolio Recovery Associates for damages of credit, Illegal Lien to the home/property
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Dear Staff, I need to be contact by the ORIGINAL CREDITOR, i dont speak to third class people who want to pay pennies for dollars owed and try to harass someone and iintimidate someone and threaten someone for something they never were owed, i believe this is PRICE GOUGING which is a crime by itself, they buy someone else 's debt peennies for dollars owed and try to harass others by trying to be a smart XXXX. I DONT OWE A XXXX TO ANY DEBT COLLECTOR, and i would like to seek action of price gouging against them. IF someone believes i owe debt, I need to be contacted by the ORIGINAL CREDITOR I do not need or want to be disturbed by XXXX XXXX XXXX who think they can make wealth out of someone by threatening and intimidating and making harassing calls which are all CRIMES by itself
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. Source : XXXX Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXXT with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. Source : XXXX Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX JOINT ACCOUNT with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX and XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive asked this company to stop calling me and that Ill pay it when I get the money. They call me at Lea 3 times a week.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: Portfolio Recovery Associates is reporting to the credit bureaus. Balance of {$1800.00} and {$3400.00}. I reached out to the creditor via certified mail twice end of XX/XX/XXXX and in XX/XX/XXXX with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter asking me to call them. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am a victim of known-name identity theft. I keep receiving mail from Portfolio Recovery Associates , LLC for a XXXX XXXX at my address. In my 13 years of living at this address, there has never been a XXXX XXXX living there. On several occasions, I have contacted Portfolio Recovery Associates , LLC and other debt collectors sending mail to XXXX XXXX to my address. They keep sending mail. When calling Portfolio Recovery Associates , LLC, my call keeps getting dropped/hung up, or I am told that because I'm not the debtor they can't discuss the matter with me.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report. Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am under an agreement payment with this debt collector since XXXX of 2022. However, they haven't done anything to verify the credit bureau. It still shows on my credit report that the debt is still the same amount.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A