Date Received: 2022-12-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is my fourth CFPB complaint regarding Portfolio Recovery. I have requested in writing, and through previous CFPB that Portfolio Recovery cease and decist all communications with me. I yet again, recieved another letter from portfolio recovery today oXXXX XXXX XXXX XXXX The letter is dated XXXX XXXX XXXX This is the same letter I have recieved three times previously, after I sent the initial cease and decist request. Portfolio recovery is sending the same letters, over and over to further harass me. I am forwarding all communications to the State Attorney General for review of the blatant disregards to FCDPA rules and regulations.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company continues to contact me for debt that I do not owe.
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to the Califormia Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. That debt dispute would include but not be limited to the contract I ( XXXX XXXX ) allegedly signed to capital one as the bearer of the debt. The original statement from the creditor and explanation of transactions and if their are interest fees the reasoning they were charged. The official documents Portfolio Recovery Associates has that state they are the legal owners of the debt. Providing their license # to collect debt in the state of California and their California branch information. In addition license # and investigation branch in their stationed state of Virginia. Along with all the details of the debt including how much they paid to purchase it. On XX/XX/2022 Portfolio Recovery Associates LLC sent me a letter and I ( XXXX XXXX ) received it XX/XX/XXXX of 2022. In it was the information you gathered from your investigation and documents that validated the debt you were collecting on. After careful review of the documents you sent me I noticed you failed to provide key points of Information required in California law for debt collection notices and validation. The information Portfolio Recovery Associates LLC failed to provide under California debt collection law and Rosenthal Act. Specifically include the following : *CA license # *CA branch information * the date I allegedly defaulted with original creditor *An official document such as the debt terms of conditions with my signature and or the contract/ transaction receipt from the original creditor stating you ( Portfolio Recovery Associates LLC ) are the owners of the debt ( Not just a letter paragraph typed up with no legal letterhead or signature from either of the respective parties ) *How much was paid for the debt and date and time that transfer transaction took place *Names and address of all purchasers the debt has passed through since chargeoff *failed to provide transactions from the alleged credit account * failed to provide receipt and reasoning for every interest charge since last payment on debt *Not sending the mandatory disclosures clauses required under CA law 1788.52 ( 7.D.1 ) { " A debt buyer shall include with its first written communication with the debtor in no smaller than 12-point type, a separate prominent notice that provides : You may request records showing the following : ( 1 ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date of default or the date of the last payment ; ( 4 ) the name of the charge-off creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt, as appropriate ; and ( 6 ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to : [ insert debt buyers active mailing address and email address, if applicable ]. } *CA Rosenthal Act clause Portfolio Recovery Associates LLC as stipulated under California legislation will have a 15 day window from the date this letter is received to fix and provide all missing information I have addressed and listed. If by that deadline I do not receive a validation packet with ALL INFORMATION outlined and proof that I received it in my possession. Portfolio Recovery Associates LLC will need to cease attempt to collect the debt and remove it from all three credit reports as is my right under California law. Should Portfolio Recovery Associates LLC neglect to remove the collection from my credit reports in the scenario they are supposed to. I will serve them in CA Superior Court where I will request the collection be removed from my reports, seek {$1000.00} statutory charge for violation of my CA consumer rights, damages, payment of legal fees, and attorney fees.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of Identity theft
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been battling with Portfolio for months now concerning SEVERAL inaccurate accounts that they are reporting to the Bureaus. I originally reached out to Portfolio via the bureaus XX/XX/XXXX about accounts : # XXXX XXXX, XXXX, XXXX and XXXX The Bureaus each responded that Portfolio verified the information. I then reached out directly to Portfolio. In my initial dispute, sent XX/XX/XXXX to Portfolio I notified them of each account listed above were an error, and to investigate these accounts because they should not be on my credit report. Portfolio did respond promptly I then asked for VALIDATION and the VERIFICATION PROCESS XX/XX/XXXX. According to the FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They didn't respond. I sent a reminder letter in XX/XX/XXXX still No response. The final letter I sent on XX/XX/XXXX which when portfolio responded they said my dispute was marked as " Frivolous '' and they would not " reinvestigate. '' The FCRA Section 611 Section ( a ). Details the procedure of the reinvestigation process. I am well with in my rights to request a reinvestigation especially when accounts are inaccurate. It has been over 100 days since I asked portfolio to reinvestigate and show me the physical verification in accordance to the FCRA Sec 609. This is way past the deadline that is mapped out by the law in the FCRA, outwardly violates my rights under the FCRA section 611, DISREGARD Section 609, and blatantly ignored the FCRA completely.. As a consumer I have the right to dispute inaccurate information on my credit report. I also have the right to a credit report that is 100 % accurate. Being that Portfolio has not sent me any documentation in accordance to FCRA 609 ( a ) ( 1 ) ( A ) I believe it is because they can not verify these inaccurate accounts. All of these accounts are unverifiable and inaccurate and should NOT be on my credit report. Portfolio has no documentation legally binding me to these accounts. They don't have my SSN on these accounts, they don't have any signature of mine on an agreement for these accounts, they don't have any government ID of mine related to these accounts, they don't have anything verifying that this account belongs to me. I have tried to be patient with them and handle this to the best of my ability. As of now I am making a last attempt to try to give portfolio the opportunity to do the right thing and remove all of these inaccurate accounts from my credit profile. IMMEDIATLEY!
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX, account closed. XXXX XXXX opium, settled in court in XXXX. Now being harassed by PORTFOLIO RECOVERY ACCOCIATES whom I never gave personal information or permission. 15 U.S. Code 1681s-2- Responsibilities of Furnishers of information to consumer reporting agencies.
Company Response:
State: MI
Zip: 49014
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi I working with a credit repair company XXXX keeps telling me this is a debt I own is in the past 7 years. Well this debt is over 9 years old. And now they up dated to 10 something 22. So they can keep it another 7 years. This debt is over 9 year or even 10. This needs come off already. I shouldn't have to pay for this all my life. Because they want to try to keep on my credit report forever you got 7 seven years to try to collect. It past it date on it. I know when it happened. XXXX. We in XXXX in a few days
Company Response:
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A