Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent the letter below requesting the information and verification. If this information could not be obtained, they should remove this from my credit report within 30 days. They have not provided any of the information requested letter below. This has been a source of hardship for my family. I have worked very hard to rebuild my credit and life and this is the only thing holding my family back. letter below : Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; with my signature Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 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 my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 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. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Since 2019 and onward, I have and endured issues with incorrect information being on a lot of my personal accounts anywhere from taxes- to medical ( apparently XXXX XXXX XXXX XXXX ) incorrect addresses and phone number on my credit reports, and collections not belonging to me. Work history on a background check not one was accurate for former or current employment. Ive tried asking for help and did all the freezes and what not but nothing really seems to be coming from it. Please help. Sincerest of advanced thanks-
Company Response:
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, which is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom it May Concern : This letter is in response to my consumer report that I reviewed and notice some discrepancies that are in questioned. Please note that this is not a refusal to pay but a request for VALIDATION of the alleged debt you claim I owe. This is NOT a request for verification or proof of my mailing address but a request for VALIDATION made pursuit to 15 USC 1692g. Im respectfully request that your office provides me with competent evidence that I have legal obligation to pay you regarding the following account number : XXXX Please provide me with information on the following questions : Is this a debt or an extension of credit? Is this an extortionate extension of credit? Can you provide me with a XXXX of XXXX? Can you provide me with a Bill of assignment? Was this alleged debt assigned or was it bought? Has insurance been filed for this account? Has a XXXX been filed for this account? Provide a license to collect in the State of Louisiana. Provide your Errors and Omissions insurance.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: 32825
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear XXXX XXXX XXXX, I am writing to file a complaint against Portfolio Recovery, a collection agency, for their alleged violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Portfolio Recovery has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Portfolio Recovery has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Portfolio Recovery has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit score and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Portfolio Recovery has failed to do so. I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Portfolio Recovery accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted the DEBT COLLECTOR and explained to them that the debt is not mine- I called them in on XX/XX/2022. I sent them a copy of the court document showing that the COURT shows the debt is NOT mine and that it is MY EX HUSBAND 'S who got the credit IN MY NAME without MY PERMISSION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company did nothing. I emailed them as well and they have not removed the debt they KNOW if not owed to them by me in OVER 60 days. In fact, last week they RE-REPORTED IT to all 3 credit bureaus knowing they have COURT documents showing different. Attached is my DIVORCE DECREE indicating the account they are attempting to collect a debt on.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi, ( See attach court records ) I am a natural living person. The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXXXXXX XXXX XXXX XXXX # Account Number XXXX XXXXXXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX XXXX XXXX XXXX # Account Number XXXXXXXX XXXXXXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Someone stole my information
Company Response:
State: IL
Zip: 619XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A