Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX, alleged debt purchaser, Portfolio Recovery Associates, placed a negative collections account on my credit report for {$580.00}. Original creditor is identified as XXXX XXXX XXXX. Last year, I filed disputes with the major credit reporting agencies including XXXX about this account which I believe is the result of a computer error. My dispute requested transaction and payment ledgers, with dates, starting with a running balance of zero to prove the stated balance and date of delinquency. On XXXX, XXXX agreed to delete the account from my credit report with all credit reporting agencies because it was unable to produce the requested debt verification documents. I do not believe XXXX could or would have sold the debt to anyone under these circumstances. To date, Portfolio Recovery Associates has not responded to my requests for the same debt verification documents, the written assignment of rights, bill of sale, credit agreement and all receipts and documents that prove the chain of ownership of this account between XXXX and Portfolio Recovery Associates. My XXXX score dropped XXXX points today after this account was placed on my credit report. As an attorney, I believe PRA 's action of placing this on my credit report today violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act, among other statutes.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never have this credit card. as i previously reported to the company, this account does not belong to me.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The representative XXXX XXXX repeatedly misrepresented the collectability of the account. She claimed the account was still within the statue of limitations when it is not. It was charged off in 2018 and I am in California. She is required to read a statement by law about the account not being in the statue of limitations and she did not. Also she claims they still have the right to report the account as open and in collections when it is charged off. I also spoke with the Supervisor XXXX XXXX and she apologized saying the representative was new, but this isn't an excuse to violate the rights of the consumer. XXXX XXXX was of no help only tried to negotiate repayment terms with me and seemingly avoiding addressing the violation of my rights as a consumer. All they seemed to care about was collecting money from me.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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: Greeting 's I disputed the listed accounts and have ask the Original Creditors, third party Collection Agency as well as the 3 Major Credit Bureaus to investigate and Verify the information there company is reporting to no avail the incorrect information is still reporting on My Consumer Report, I'm asking tis information to please be removed. this companies are in violation of My Consumer rights. 15 U.S.C 1681 Section 604 A and 15 U.S.C. 1681 Section 602 A.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To Portfolio Recovery Associates Whom it may concern : This is about the letter sent via mail dated XX/XX/2023 requesting your company for validation of the below-mentioned account number XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as Charged off. It means that the creditor will no longer attempt to collect this alleged debt owed by them. Therefore, pursuant to my rights I approached the creditor and asked the following questions 1. Have they sold this alleged debt? 2. To who is this debt sold? 3. Are they still in the process of collecting this debt? I am enclosing herewith the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 1. Yes, they have sold the debt. 2. Its sold to your company name portfolio recovery 3. Since they have charged it off, they are no longer in the process of collecting this debt. Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt when in reality, it was not true. Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ) I am attaching herewith the invoice and if you fail to pay the same, I will escalate this matter to Federal court. Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Statute of Limitations expired The statute of limitations expired XX/XX/2022 and I did not receive any notice until XX/XX/2022. .I have written them explaining that the debt is no long good because of the statute. They do not agree.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In my request for a credit report in all three credit bureaus ( XXXX - XXXX - XXXX ) I found an entry showing a credit card account as deliquent in the amount of {$360.00} from a credit card issued by XXXX XXXX XXXX Bank. The credit card debt was sent to collections agency called portfolio recovery associates and I have contacted them and disputed the debt. I was told that I should file a dispute via the internet to the XXXX And here I am to file a dispute to you. The account number is XXXX XXXX XXXX XXXX I have no relation whatsoever neither with this account number nor with the bank issued this card. Additionally, I have no relation at all with the debt amount.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Portfolio Recovery Associates continues to call my spouse about my debt from 5 years ago. He has repeatedly told them to stop calling and they continue. They call about 10 times a day from 10 different numbers. I also never received any written documentation about this debt to any address Ive ever lived at.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A