Date Received: 2023-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hello. Since last year I have recieved countless call from Portfolio Recovery, attempting to collect a debt. At first I answered and advised to send me paper mail but the calls continued and now they come from different numbers. Ive blocked them but now get new numbers under the same business name calling
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXX way XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of Portfolio Recovery AssociatesLLC and stated debt was paid years ago and not to contact me. On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
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: I noticed this item on my credit report in 2019 and immediately disputed it with all 3 credit bureaus. This account has been removed and replaced on my credit files multiple times without my notification or knowledge despite no proof that this is my account. I did not sign any agreements with this company and I do not owe this company any money. I have attempted to resolve this with the company and with the credit bureau.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023 I sent PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX a debt validation letter via certified mail. I instructed PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to cease collection of the alleged debt while efforts are made to obtain verification. Until they resolve this error with the creditor any reporting of this matter to credit reporting agencies is premature. Until they have investigated my dispute, they should not relay negative information to any credit reporting agency. PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been consistently breaking federal law! It has been well over the allotted time need to address my demands and they are intentionally and deliberately disregarding my notices.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. I informed Portfolio Recovery Associates LLC that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Because the information provided does not comply or include my signature on any of your documents. I have no debt responsibility with you and I do not know the previous debtor. Please send documentation that really validates my debt or PRA must immediately remove it from your system and even more important from my credit bureau. Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A