Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The debt for Portfolio Recovery Associates , LLC account # XXXX is contractually assigned to Social Security XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The debt is not assigned to the human beneficiary. Since this has been reported as fraud and have not provided any evidence that was requested under federal law, you are now malfeasance in doing so. You have an obligation to remove this account from the beneficiaries Credit Report and withdrawal any negative derogatory marks it may have received.In addition, the debt of the account is not valid. It does not meet the four essential conditions to a lawful binding contract-Namely : 1. Full Disclosure. ( I was not told that I was creating a credit with my wet ink signature ) ; 2. Equal consideration. ( Portfolio Recovery Associates , LLC brought nothing of value to the table and so had nothing to lose ) ; 3. Lawful terms and conditions. ( Yours were based on fraud ) ; 4. The wet signatures of both parties- ( Corporations cant sign because they have no Right or Mind to contract since they are soul-less legal fictions ; and furthermore, no third party can sign a contract on their behalf ). One can not owe you money when the dollar is backed by the full faith and credit of the American people. You did not lend me your money. You were paid from the trust when you allegedly received my wet ink signature on said contract ( which was based on fraud as mentioned above. ) Not only have you been paid, but you are also requesting more money and double dipping on the money you received. House Joint Resolution 192, Public Law 73-10 states that all debt public and private are paid for. There is no debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. You did not send me validation rather you sent me an account summary which I will provide a copy of what you sent here. You are malfeasant and need to be investigated. You did not halt all phone communications with XXXX XXXX and you called numerous times a day harassing for payment. Even after he advised to not call as he is an XXXX year old man with XXXX XXXX! 15 USC 1681b - FCRA - Under the permissible Purpose Law the original Creditor has a written agreement with the consumer to make your payments directly to them they do not have my permission/written consent to give out my information and sell it to a third party ( that being Portfolio Recovery Services , LLC ) THAT IS ILLEGAL! FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of XXXX XXXX Section 605A-15USC 1681 c-1 Section 605B- 15USC 1681 c-2 You are in clear violation of numerous things and attempting to collect a debt that legally needs to be removed - You have NOT sent any validation and or purchase agreements as the above Permissible Purpose Law altogether puts you in violation - I DO NOT CONSENT - Further Investigation of your fraud should be pursued as you are in direct violation and harassing an elderly person to boot after he said to stop calling. CONSPIRACY AGAINST RIGHTSUSC 18 241 If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State in the free exercise or enjoyment of any right, they shall be fined under this title or imprisoned not more than ten years, or both. CONSPIRACY TO INTERFEREUSC 42 1985 If two or more persons in any State or territory conspire for the purpose of depriving, either directly or indirectly any persons rights the party so injured or deprived may have an action for the recovery of damages against any one or more of the conspirators. NEGLECT TO PREVENTUSC 42 1986 every person who, having knowledge that any of the wrongs conspired to be done or are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured ( Cruden v. Neale ) man is independent of all laws, except those prescribed by nature. he is not bound by any institutions formed by his fellow- man without his consent. THE REAL LAW ( Marbury -v-Madison, 5th US ( 2 Cranch ) 137, 174, 176, 1803 ) RIGHTS AND SOVEREIGNTY ( hurtado v. People of the State of California, 110 U.S. 516 ) The assertion of federal rights [ Bill of Rights ], when plainly and reasonably made, is not to be defeated under the name of local practice. ( davis v. Wechsler, 263 US 22, 24 ) Sovereignty itself is, of course, not subject to law, for it is the author and source of law. ( yick Wo v. hopkins, 118 US 356, 370 ). to deprive the People of their sovereignty, it is first necessary to get the People to agree to submit to the authority of the entity they have created. That is done by getting them to claim they are citizens of that entity Constitution for the U.S.A., XIV Amendment Isbill v. Stovall LAW OF THE LAND This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding. US Constitution If any statement, within any law, which is passed, is unconstitutional, the whole law is unconstitutional. ( Marbury v. Madison : 5 US 137, 1803 16Am Jur 2d : 16Am Jur 2d., Sec . 97 ; Bary v. United States - 273 US 128 16Am Jur 2d., Sec . 114 16Am Jur 2d., Sec . 256 Mudook v. Penn. 319 US 105, 1943 Owen v. lndependence 100 Vol. Supreme Court Reports. 1398 : [ 1982 ] ; Main v. Thiboutot 100 Vol. Supreme Court Reports. 2502, 1982 Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ; 1958 davis v. Burris, 51 Ariz. 220, 75 P.2d 689 ; 1938 In re duncan , 139 U.S. 449, 11 S.Ct. 573, 35 L.ed. 219 ; Minor v. happersett, 88 U.S. ( 21 Wall. ) 162, 22 L.ed. 627. Blacks Law dictionary, Fifth edition, p. 626 People v. Skinner, Cal., 110 P.2d 41, 45 ; State v. Rossi , 71 R.I. 284, 43 A.2d 323, 326 ; direct Plumbing Supply Co. v. City of dayton, 138 Ohio St. 540 , 38 N.e.2d 70, 72, 137 A.L.R. 1058 ; Stoner v. higginson, 316 Pa. 481, 175 A. 527, 531 Schware v. Board of Bar examiners, 353 U.S. 232 ; 1957 Schware v. Board of examiners, United State Reports 353 U.S. pages 238, 239 Sims v. Aherns, 271 SW 720 ; 1925 Murdock v. Pennsylvania, 319 U.S. 105, at 113 hertado v. California, 110 U.S. 516 Miller v. U.S., 230 F 2d 486. 489 14th Amendment Article I, section 1 Waring vs. the Mayor of Savanah Chisholm v. Georgia State v. dallas City United States -v- Williams Reminder A reminder that this is a trust action. You are in a fiduciary position as trustee because you are handling and working with my Social Security XXXX XXXX XXXX XXXX XXXX XXXX directly or indirectly as part of the service you provide. As a fiduciary everything you do MUST be for my benefit. If this debt is not placed in satisfactory status you are acting in your own best interest which makes you malfeasant of office. It is trust fraud and that is a felony. XXXX XXXX, XXXX XXXX XXXX, do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Common Law Contract, is true, accurate and correct to the best of my knowledge, information and belief and conveys the requirements set forth as intended by me without prejudice. YOU have repeatedly submitted false claims against my name and have provided nothing substantial as I have asked NUMEROUS times if consent was given and if this contract was in fact valid / Furthermore if this alleged debt has been written off as a lost and you are collecting money on top of it from my trust then are you in violation " double Dipping '' which is a crime! You continue to report false information and continue to write false statement of things you have done and have not given any substantial proof that this debt is a debt from a man to a man. If this is not resolved after this final complain I will be pursuing you in common court and ask XXXX : Family of Fredrickson d/b/a Trustee of the Social Security XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX Chief Executive Officer of Corporation Portfolio Recovery Associates , LLC to appear in front of me this he is the man laying claim against my property. I have been more than lenient with you in getting this resolved. I will also seek punitive damages against my property as a man. So, If this man is willing to appear in front me in common court and can lay his hand on the bible swearing to God himself that I am the man that owes this alleged debt then let him show. This is your final chance to remove this debt and request a deletion from all three bureaus. I am a busy man and this as stated in my letters to you takes up my time. I charge {$21.00} dollars a second and this has been going on for months! YOU DO THE MATH! If this is not deleted I will see the man that lays false claims against my property in court! You will be held in accordance with conspiracy against my rights as a man who is only bound to the laws of GOD himself
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am writing to file a complaint against PORTFOLIO RECOVERY ASSOCIATES for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by portfolio recovery. Request for validation of the debt : I am requesting a validation of the debt being collected by portfolio recovery along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers. In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, portfolio recovery has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( portfolio recovery ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor. Under the FDCPA, Section 809 ( a ) states that a debt collector ( portfolio recovery ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request portfolio recovery to send me the validation of this debt as requested above. If portfolio recovery fails to validate the debt, I dispute the debt, and request portfolio recovery to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ). Request for verification of the debt : I am also writing within this complaint, a direct request for information from portfolio recovery regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( XXXX items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois. The FCRA requires portfolio recovery to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that portfolio recovery fails to validate the debt, I dispute the debt and request portfolio recovery to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ). It is important for portfolio recovery to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by portfolio recovery to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that portfolio recovery must provide me with the information that is used to calculate my credit score. Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of portfolio recovery. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold portfolio recovery accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by portfolio recovery. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent portfolio recovery this document certified mail and portfolio recovery did not send me the documentation I requested in my letter. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume there is no proof of the alleged debt, nor therefore any debt, in fact exists and under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. DO NOT SEND ME COPIES! SEND ME THE ORIGINALS! THIS IS MERELY A PAPERTRAIL. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC1692gSec. 809b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report unvalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request with XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged creditor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY in case legal action become necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX days for processing after I receive this information back. Best Regards XXXX XXXX XXXX XXXX XXXX Commission
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business Portfolio Recovery Associates is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between Portfolio Recovery Associates and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery repeatedly calls me daily from different area codes and phone numbers harassing me to pay a debt collection. I have advised to be removed from their do not call list and they still repeatedly call back to back from different numbers daily.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Portfolio Recovery Associates , LLC is in violation of Federal laws. Your organization Portfolio Recovery Associates Has falsely represented themselves furnished deceptive forms and violated my right to consent and privacy as well as caused injury to my character, reputation, credit standing, credit worthiness, ability to extend credit, ability to obtain gainful employment, insurance, housing and credit services As well as violated 15 USC 1692f ( 8 ). Portfolio Recovery Associates is a debt collector and financial institution as per 15 USC 1692a ( 5 ) 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal Purpose of which is the enforcement of security interests. The term does not include- ''. Portfolio Recovery Associates is a debt collector by definition of the FDCPA. Portfolio Recovery Associates is in fact a financial institution by definition of Federal Law. As per 15 USC 6827 ( 4 ) '' FINANCIAL INSTITUTION ( A ) in general the term " Financial Institution '' means ANY institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Proof labeled in attachment as EXHIBIT A Furthermore Portfolio Recovery Associates is an elaborate mechanism, a non affiliated third party with no first hand knowledge of the Consumer Credit Transaction in which I extended my credit to XXXX on XX/XX/2016. You are in violation of 15 USC 1692b " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; '' Proof labeled in attachments as EXHIBIT B, EXHIBIT A and EXHIBIT C Further your financial institution has provided my non public personal information to non affiliated third parties XXXX XXXX without giving my providing me the opportunity to Opt out or giving me notice. This is a violation of my rights to privacy and consent and 15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ( C ). Proof labeled in attachment as EXHIBIT B Furthermore your company has injured me, my reputation, my character, credit standing, credit worthiness, my ability to extend credit, to obtain employment, insurance, housing also has caused emotional stress, XXXX, marital problems by your company furnishing this information of an alleged debt owed on my Consumer Report by violating 15 USC 6801 ( a ) by providing my non public personal information to non affiliated third parties XXXX XXXX XXXX and XXXX. Proof labeled in attachment as EXHIBIT B
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are 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: 33175
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A