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 XXXX 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: 33172
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company XXXX reported an account they new was fraudulent Portfolio reported I informed them that was fraudulent
Company Response:
State: AL
Zip: 35405
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have have contacted this company to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX Bank XXXX XXXX XXXX Bank This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt. Additionally I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided this company, the credit bureaus or the banks/companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove/delete all negative information that they have reported/are reporting to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name and/or social security number. I'm also requesting that they stop all phone calls, texts, email, direct mail, social media direct messages, stop sending individuals to to my home and/or work to serve lawsuits and/or collect debt. I would like all forms of threats, and communication to stop immediately. Best, XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery calls me daily, sometimes multiple times a day and during all hours of the day.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. - XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. -XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX of {$1400.00} date opened unknown. I did not open these accounts.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery Associates located at - PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount {$2800.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company did a soft inquired on XX/XX/. I already on an active payment arrangement. Why is your company keep running my credit for? I make my payments. Your company is illegal running credit.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell XXXX XXXX XXXX AND CAPITAL ONE BANK USA N.A. to verify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review. XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: 33018
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery Associates have been calling me and sending me letters about an alleged debt owed to XXXX XXXX XXXX for {$340.00}. On XX/XX/22, I wrote them a Request for Validation of Debt Pursuant to 15 USC 1692g. I requested information that would validate my debt to them, along with the original contract with my wet signature. I have never done business with Portfolio Recovery XXXX or signed any contract with them. On XX/XX/22 I received another letter from them and this collection is on all three of my credit reports currently. According to 15 USC 6802 ( b ) ( 1 ) ( b ) Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; This is a violation because I did not give anyone disclosure to my nonpublic information, especially not a third party I did no such business with. Secondly, 15 USC 1692c. Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I never gave Portfolio Recovery Associates , LLC direct consent to contact me nor did I give consent to XXXX XXXX XXXX to allow my information to be disclosed to any third party. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information, states that : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692e ( 2 ) ( 8 ) ( ( 10 ) ( 11 ) - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 1. This collector used false and misleading information by stating that they are the creditor to whom the debt is owed. They are a third party and NOT the original creditor. 2. They also offered me three payment plans with savings options. That is false and misleading and a false representation of the amount of debt. 3. They enclosed a statement that says " the savings will be applied to the balance and your account will be considered paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the three major credit reporting agencies delete our tradeline related to your account from your credit bureau report. '' Again, I never gave them or XXXX XXXX XXXX any disclosure to report ANY non public information to a third party or give anyone access to my credit report, especially not a company I have no original contract with.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A