Date Received: 2022-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello I'm been working with a credit repair company. XXXX saying to debt is verified. And it not. This debt is over 10 years old. I know when it happen. Portfolio recovery saying it's a new debt which it's not. How long do I have to pay for this. It's past it's time to collect
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
Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello I recently filed a complaint against the credit bureaus because my personal information was wrong, since it contained names and addresses that did not belong to me. Recently already removed this false and misinformation. What it hasn't removed is this collection account that PortFolio Recovery is reporting to me that it doesn't belong to me. I have no knowledge of where that debt comes from. A month ago I sent a debt validation letter and to date I have received no response. I want you to send me all the evidence or remove it from my credit report since this account is preventing me from having the credit approval that I want.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/22 PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) furnished my personal information ( identity theft ) and tried to collect an alleged debt from me. I sent letter on XX/XX/22 asking for competent evidence that I have/had any obligation to pay PRA. I received letter from PRA on XX/XX/22 with incompetent evidence nor any debt validation I asked for.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
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 sent Portfolio Recovery Associates a letter to validate an alleged debt on my credit report. They responded with a simple statement, which is not meeting fdcpa guidelines to validate a debt. I sent them a follow up letter letting them know that unless they could sent me an original document showing my signature to this alleged debt they needed to cease and desist. The alleged debt has an address that is not mine. I have already filed a fraud identity theft with the FTC and also have filed a police report, and frozen all three bureaus. Hence the reason I am asking for a VALIDATION of this debt. Secondly, the statement they did send doesn't show any history on the account of payments or purchases or any interest or fees added. Also the Statute of Limitations on it expired. So please explain how they can NOT validate a debt that is also expired, and still try to damage my credit.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-12-11
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: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/22 I submitted a CFPB complaint # XXXX to Portfolio Recovery to stop communicating with me on all mediums included but not limited to all consumer reporting agencies. On XX/XX/22 Portfolio Recovery responded by stating " We have honored your subsequent request to cease all communications with you regarding the PRA account ending in XXXX and will continue to do so unless otherwise permitted or required by applicable law. '' As of XX/XX/22, Portfolio Recovery has continued to communicate via my consumer report. The term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by The XXXX XXXX XXXX will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery Assoc. has been able to continue to abuse me as a consumer with unfair debt collection practices over an alleged debt. They have continued to violate 15 USC 1692c ( c ). Under 15 USC 1692c ( c ) congress mentions invoking a specified remedy due to the injuries that I have incurred due to Portfolio Recovery not following my instructions and lying and saying that they have honored my wishes, it is still showing up on my consumer report, please see attached consumer report generated on XX/XX/22. Portfolio Recovery has violated me by communicating with me without my consent after telling them to stop the illegal activities and they have not stopped
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Date of Original Dispute XX/XX/22 advising that I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER XXXX REPORT FOR PORTFOLIO RECOVERY ASSOCIATES. I NEVER AGREED OR SIGNED ANY CONTRACTS AGREEING TO DOING BUSINESS WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE PROVIDE THE ORIGINAL SIGNED CONTRACT. PLEASE PROVIDE CONFIRMED PROOF OF ME RECEIVING THE VALIDATION NOTIFICATION ( I NEVER RECEIVED OR SIGNED OR CONFIRMED ) PER MY CREDIT REPORT THE UNAUTORIZED BALANCE IS LISTED AS {$450.00}. I DO NOT AGREE WITH THE COMPANY 'S RESPONSE BECAUSE I NEVER RECEIVED VALADATION NOTIFICATION OR SIGNED A CONTRACT WITH PORTFOLIO RECOVERY ASSOCIATES AND THEY ARE IN VIOLATION OF MY RIGHTS UNDER THE FDCPA LAWS
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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: Subject : Inaccurate information on Credit Reports To resolve my complaint with XXXX Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX Portfolio Recovery Associates is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX XXXX$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX Portfolio Recovery Associates removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. On XXXX ( XXXX Score XXXX ) XX/XX/XXXX XXXX, XXXX Portfolio Recovery Associates original creditor XXXX XXXXXXXX XXXX collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. 36 Closed accounts. Please correspond and update all inaccurate information accordingly, Thanks.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have two collections that appear through a company I never even heard of Portfolio. I have not done business with this company nor owe them anything. I have not had a collection account in over seven years. This is inaccurate!
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is not a duplicate PRA failed to let me exercise my federally protected rights. I sent a Notice to Cease Communication directly and indirectly and told them I am not paying them for the alleged debt as stated in 15 USC 1692c however failed to cease communication from my consumer report and still infringing upon my rights to privacy I never gave this company my consent to use my personal information and they are attempting to collect an amount of XXXX dollars that they say are owed to XXXX XXXX which is ( fraud ) material misrepresentation as I never did business with PRA. Check attachment as this is my last chance trying to rectify this issue when I never gave you consent to use my personal information meaning you are committing aggravated identify theft and fraud and will be reported to the FTC and legal matter will be held against you as you are willfully and knowingly using my consumer report with Extortionate means violating 18 USC 894. It is not my duty to teach your employees the law however I will hold you in noncompliance
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked. Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid. They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine. I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.
Company Response:
State: SC
Zip: 29169
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A