Date Received: 2022-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Portfolio recovery has been absolutely harassing me. Calls after XXXX. Over 15 calls a day. I have records of all of this. I have told them repeatedly this is not my accounts ( 2 ). I have reported fraud over a year ago! They recently started harassing me. If this doesnt stop and get removed from my report Im filing a law suit. This was over 7 years ago and my ex stole my cards and reports were filed! He was also ordered in court to pay for these as I am no longer liable!
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have three accounts under collection that is showing up in different credit Bureaus. I have tried to reach out to the company who has hold of these collection accounts by sending 3 rounds of letters to the credit Bureaus, XXXX, XXXX and XXXX to ask the company for debt verification and the original contracts to proof validation of these collections accounts but they have failed to provide the requested documents at all three times. there is miss-reporting of these accounts. Three accounts shows only in XXXX and XXXX but not being reported to XXXX.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The furnisher/perspective user named PORTFOLIO RECOVERY ASSOCIATES is inaccurately reporting an inquiry on my XXXX XXXX Report and XXXX XXXX Report. I, the Consumer, did not authorize or give PORTFOLIO RECOVERY ASSOCIATES permission to use or obtain my consumer report. PORTFOLIO RECOVERY ASSOCIATES failed to certify the purposes for which the information is sought pursuant to Regulation V, FRCA section 604 ( f ), and 15 USC 1681b ( f ). The FCRA limits the conditions under which a consumer report may be released without a consumers consent and where the consumer has not initiated a credit transaction, which is, if the transaction consists of a firm offer of credit pursuant to 15 USC 1681b ( c ) ( 1 ) ( B ) ( i ). However, there was no offer of credit or insurance made to the consumer and there was no solicitations sent to the consumer in the form of pre-approved offers of credit. By using and obtaining my consumer report without my authorization and failing to meet permissible purpose pursuant to Regulation V of the Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) codified as 15 USC 1681b ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) ; and failing to certify the purposes for which the information is sought pursuant to Regulation V of the FCRA section 604 ( f ) codified as 15 USC 1681b ( f ) makes you liable under 15 USC 1681n ( a ) ( 1 ) ( 2 ) and 15 USC 1681o. This ongoing invasion of privacy has caused me mental and emotional anguish.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I asked Porfolio Recovery not to contact me during my working hours of XXXX to XXXX. They continued to blow op my phone with calls. Then I told them not to call at all. They still continue to call, and its repeated call after call back to back. This is Creditor Harassment and I cant get them to stop calling. I have screenshots of the calls, I will try to copy and paste to this claim. If it doesnt work I will need an email address to forward them too Recents XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIORECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX dispute XXXX XXXXXXXX i have tried several times to get your company to follow the law/ every validation your company has foward me has a purchase of debt mailing to a XXXX XXXX XXXX about 5 to six months while XXXX XXXX. under the law any company that is to make a negative remark on my credit report must make contact with me bi phone or bi mail before taking a negetive remark against me to allow me to access my right to validate or dispute the debt. on this despute i provided your company with a disposition from the court on XXXX # XXXX which is public record and i had to go pay for the record to show you i was XXXX in XXXX of XXXX so if you didnt obtain this so called debt until XXXX and XXXX of XXXX how can you have made contact with me. you are falsely claiming i owe you money when i have never entered into any contract with your company or allowed your comapny access to my private protected credit information. your company is un ethical and is illegally making negetive reports against me. please publish all investigations and resoning for validation alonjg with how you legaly obtain my credit information. i am going to be contact a lawyer to see if we have any further actions i can take against your company.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I do not know what debt they are talking about. The company is a profile recovery associates and they call from several different phone numbers everyday. Every time I answer it clicks and takes about XXXX seconds, before anyone says anything. The call are clearly automatically done. I receive anywhere from XXXX to XXXX calls a days from This company.
Company Response:
State: TX
Zip: 75803
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I mailed a written letter to stop all communication with me regarding a debt, and the company is still calling and trying to contact me. The certified letter was delivered to the company on XX/XX/22. I have attached the certified mail receipt along with this complaint. The company has tried contacting me on XXXX, XXXX at all hours of the day. XXXX XXXX # XXXX
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am told not to include any personal information such as my name address Social Security number etc. so I will provide all of that on the letters to the collection agencies and to the credit companies. I am writing in reference to not only all three of the credit reporting agencies XXXX XXXX, XXXX, and the most rude and ignorant one XXXX. I am also writing in reference to portfolio recovery services and the original creditor is XXXX XXXX who sold the debt to portfolio recovery services. Not only have I been disputing this, battling this, and also have done a report with your company as well before but I have been dealing with XXXX and XXXX for the past two years trying to get help and get these things resolved it off of my credit report. Portfolio recovery services will not respond and does not listen or adhere to the notarized statement I sent them letting them know that I did not open up this fraudulent account in XXXX nor did I default on this fraudulent account that was sold to them in XXXX. This fraudulent account is now twice on all of my credit reports under portfolio recovery services original creditor XXXX XXXX. I will listed below I am done going through this I will not keep disputing this and sending them the proper information they request when they know that this is fraudulent and I have done everything Im supposed to do not only with the credit companies But also with the original grantor XXXX XXXX as well as the buying debt collector portfolio recovery services. So now Im doing everything I have to including hiring the attorney and I will be collecting on these companies if they do not take the proper action to resolve this this is very unfair in XXXX to XXXX I was in XXXX in a state XXXX that is on paper and that I do not have to provide that information based on my HIPAA laws. However I have no problem providing the information because I have nothing to hide and it is proof that I did not open up the original accounts by XXXX XXXX in XXXX. Not only are the accounts being reported on my credit report but they are also being reported in accurately as open which they have been closed obviously and bought out by the debt collector portfolio recovery services. So like I said XXXX and XXXX still have these two negative and fraudulent accounts on the credit reports and will not remove them. This month XX/XX/XXXX I sent the notarized statements and letters stating that I was indeed in XXXX when these false accounts were opened and that I was disputing this information once again and that I was reporting this not only to the consumer financial protection bureau but also the federal trade commission and XXXX XXXX XXXX XXXX. Im done dealing with this and would like something done immediately not only with portfolio recovery services but with XXXX and XXXX I am complaining on these companies right here. On XXXX report Portfolio recovery services Act number XXXX is beginning only shows beginning Account # -Original creditor XXXX XXXX they open XX/XX/XXXX which is a lie the original debt was opened in XXXX by XXXX XXXX XXXX at an address that I had never lived that. It says that the balance is {$650.00} that the terms are one month and that this is seriously past due assigned to attorney and collection agency number one this information is an accurate the original opening was XXXX the date open by portfolio recovery services was XX/XX/XXXX of XXXX Also on XXXX the report portfolio recovery services account number XXXX Original creditor XXXX XXXX account type that buyer date open XX/XX/XXXX that must be the date portfolio recovery association bought it because this debt was also open in XXXX by a fraudulent person at an address that I have never lived at. It is also reporting a balance of {$830.00} Saying that the terms are one month and nothing else so obviously it is being reported in accurately as well because this account is not opened and this is a fraudulent account and this is the second item portfolio recovery Association has on my XXXX credit report and they will not get rid of it or help me and I recently sent them everything they needed to know XXXX Credit Report No one XXXX report this is horrible because it says no account number it just says portfolio recovery a original creditor XXXX XXXX XXXX account type open account right there that is a lie this account is not open the date opened it says XX/XX/XXXX balance is {$830.00} and responsibility individual account collection account this is reported in accurately this is a fraudulent account opened up by XXXX XXXX in XXXX at an address that I have never lived that. And it is also being reported as open which is a lie. This is on XXXX this is the first portfolio recovery account with no account number it just says XXXX XXXX Account on XXXX is also by portfolio recovery a with the original creditor is XXXX XXXX XXXX XXXX with no account number it has the account number aS XXXX this also says account type is open accounts which is an accurate and a lie because this account could not be open if it was bought from XXXX XXXX by a debt collector. It says date open XX/XX/XXXX with a balance of {$650.00} individual account collection account. This is in accurate and this fraud. It has been open fraudulently via XXXX XXXX XXXX in XXXX by a fraudulent person at an address that I never lived. I have also mentioned this numerous times and recently sent XXXX a report that was notarized letting them know that I was in XXXX from XXXX to XXXX which violates my XXXX laws by even telling them that and that I want this removed immediately I have also reached out to portfolio recovery services numerous times I would also like to know the XXXX XXXX once they had received my information and took both of these portfolio recovery associates and accounts off of my XXXX XXXX credit report immediately and I think that XXXX and XXXX should immediately do the same before I further my investigation. I have provided all of the information needed I have reached out to portfolio recovery Association I have reached out to XXXX XXXX and I have reached out to XXXX and XXXX regarding these fraudulent and in accurately reported accounts on my consumer credit reports and it has been going on for two years and they are not providing me with any help or any feedback and they know that these are fraudulent and I am so not OK with this and I need you to immediately do something not only will portfolio recovery services not do anything and they keep validating the stats but so will XXXX and XXXX not do anything this is not fair. I also Im stating that I do not what I repeat I do not want any security alerts or security freezes on any of my credit reports. It is now XXXX I have been fighting with that since I learned of it in XXXX when I came home from XXXX and started receiving letters at my address which I have been out for the past 10 years. I have been at The address that I am not allowed to say for the past 10 years and I have also told XXXX and XXXX that. And portfolio recovery services the original address by which the original XXXX XXXX XXXX issued these credit to was never my address or never known address for me and was around the time when I was in XXXX for XXXX XXXX years. I learned of this fraudulent activity when I came home and started receiving mail at my current address that I had had all of my life. I am not going to keep repeating myself I want something done about this immediately I will be filing separate reports with separate companies and I am letting you know that I will not stop until this is revolved I have done everything youve said and not put any personal information in this letter as well as included every date amount an action that was taken by myself and my company. I also have let you know with the companies have done and what they have not done and that I have reached out to them on numerous times. Ive also watched diligently what I put in this letter so please please take every information seriously and submit this as soon as possible because I know I have followed every rule. I do not know how you can correlate these fraudulent accounts to me if I do not put my personal information in this letter but Im following the rules and immediately went to XXXX and XXXX and portfolio recovery services to know that this is being handled and we are not stopping thank you so much.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I owe a bill with XXXX XXXX I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XX/XX/2022. My house note is XXXXmonths behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A