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: OH
Zip: 44120
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: 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: 33145
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX XXXX and XX/XX/XXXX, I wrote to tell PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX XXXX XXXX. to verify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review. PORTFOLIO RECOV ASSOC 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: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: 33010
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had my credit pulled to refinance my home. Theres a debt for {$860.00} approximately on my credit report as delinquent & is not my debt. I called the number on the debt, which was a lawyer group, & the birthdate, social security number & address are not mine. They stated that its another XXXX XXXX, but could not give me anymore information. Please have this debt removed from my credit report because its not my debt. Thank you
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Debt collector repeatedly calls from various numbers ( always appears as Portfolio Recovery in caller ID ) at all hours for a debt that is not owed. They have started calling my business and it has crossed the line into harassment. I don't have any past due accounts within the last 7 years.
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what Portfolio Recovery Associates is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt. I have tried disputing numerous times and they keep sending a generic message that says the same thing each time. This is my final time disputing this before taking this to an attorney.
Company Response:
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: In my previous complaint I stated : In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law. I clearly stated that I have only had 3 accounts with XXXX XXXX that are all in good standing. XXXX took it upon themselves to remove these 3 active accounts that are in good standing and left the account that I verified was inaccurate which is being reported by PRA ( Portfolio Recovery Associates ). They removed positive accounts with XXXX XXXX XXXX, XXXX and XXXX. These three accounts were inaccurately deleted. These are accounts in good standing. I feel as though XXXX purposely deleted these accounts to mess with my credit score and make it seem as though I closed these accounts. The account that was to be deleted for inaccuracies was the Portfolio Recovery Associates XXXX. This is not my account nor has it ever been my account. I have said this numerous times. This company has been harassing me and every time I ask for a copy of the contract with my signature they can never produce it. My 3 accounts in good standing with XXXX XXXX, which are the only accounts along with my bank account that I have ever had with XXXX XXXX. A lawsuit will follow if this is not corrected immediately. XXXX has made a major mistake. I have already shown this evidence to the attorney general so they should expect to hear from them regarding this matter as well. This was XXXX 's response to my request to remove the Portfolio account : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A