Date Received: 2023-01-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation.
Company Response:
State: IL
Zip: 60409
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX your own addition to the last complaint you stated each purchase of your debt was done on or about XX/XX/XXXX yet I mailed XXXX a certified copy of the court and its on my credit report right now that I was arrested on XX/XX/XXXX and XXXX on XX/XX/XXXX XXXX your own report your lying on. The fact that you probperly contactact me.. your own reports state the time and my credit record shows my XXXX dates .. your violating the fair credit act.. I mailed a certify copy of the dispusition of the court to show when I was arrested yet you choose to ignore the facts. Its not my fault u assumed responsibilty of a debt and then didnt take proper actions to ensure it. Its your error now remove it from my report your causing me hardship
Company Response:
State: NY
Zip: 10940
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Called me 7 times at XXXX XXXX on XX/XX/23. All seven calls were made in less than a minute. I had also previously told them to stop calling.
Company Response:
State: WA
Zip: 98503
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES LLC account # XXXX This is a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you along with a contract with my signature showing I have an agreement with your company * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector in my State * Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA *Defamation of character If your agency can provide me with the requested documents, I will need minimum XXXX days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. If your agency/company fails to respond to this debt validation request within a period of XXXX days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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.
Company Response:
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This creditor did not send me original contact, original credit information, payment history and proof of ownership.
Company Response:
State: MD
Zip: 21502
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is paid and needs to be removed immediately.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Not only was I not given proper notification bi law u are now at the seven year mark allowed bi law for you to report to my credit. Please remove it from my credit law is not from you purchased the debt law is from the first day of missed payment which obviously I was in prison since 2016 you cant Have it both ways
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XXXX XXXX, 2022 XXXX XXXX, VA XXXX according to the XXXX website. This Unverified account is causing extreme Financial hardship and XXXX. It is making it extremely difficult for me to acquire credit.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A