Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOV ASSOC is a Debt Collector who has reported a debt of {$1600.00} that I do not owe to the Credit Bureaus. The original Creditor is XXXX XXXX XXXX XXXX XXXX. Thi9s creditor has never contacted me. I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. They only say '' we have investigated, and the debt is valid without providing any documentation. This debt is not my debt and may be because of identity theft. Their address is : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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. Account name : Portfolio Recovery Associates, Account num : 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. 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. i have sent XXXX, XXXX XXXX XXXX my FTC Identity Theft Report as of XX/XX/XXXX and i have disputed with this company through XXXX, XXXX XXXX XXXX on numerous information proofing countless times that the information they are reporting is false and each time they change the information specified while reporting a new false information not specified and is operating in a unlawful manner that is violating my rights.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I receive a call from Portfolio Revovery at least once or twice every day. I have repeatedly let them know the account does not belong to me and that I have even tried to dispute it and it still remains on my credit report. They are rude and continue to call and harass. I have blocked their number for over 2 years and every time they call again from multiple different phone numbers.
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a half opened envelope from Portfolio Recovery Associates in the mail. It was a summons for court to garnish my wages. This is for a {$1700.00} debt. It said I had 8 days to respond during XXXX week. Ive had XXXX communication with this company in reguards to any lawsuit. I have no current debts with them on my credit report. Nor is there any judgements against me in the court system. I called them they said to contact my payroll company. I asked when I had to answer this summons by they said they didnt know. They offered no explanations or answers.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all XXXX credit bureaus and XXXX refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. XXXX and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A