Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I contact consumer directly for validation of account that I dont owe and never had any contractual obligation to pay them. They are currently being reported with inaccurate date of last activity in accurate date of last updated late pay after account was closed charge off on XXXX is listed as open also they have created duplicate accounts types. I asked them to provide me a copy of any viable evidence bearing my signature showing the account is being reported accurately. They provided me a print out statement. Which a printout of a bill or itemized document does not constitute verification. I would like these account deleted from all 3 credit bureau.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.
Company Response:
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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: On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt dispute letter. They have denied my dispute stating they sent me a verification back in XX/XX/2022 and because I did not reply to that initial response the debt is valid. 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 XXXX XXXX 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. I have provided proof that Portfolio Recovery Associates received my debt validation and dispute request letter on XX/XX/XXXX and signed its delivery. They did not respond within their 30-day validation window from that date. Furthermore, Portfolio Recovery Associates has never sent me a proper debt validation they sent me a debt verification in XXXX of XXXX which simply stated the debt amount and their company info so their defense is a moot point. I filed a report against Portfolio Recovery Associates LLC with the Consumer Financial Protection Bureau on XX/XX/XXXX and the case was closed stating they sent verification in XXXX. However, I believe this is incorrect because Portfolio Recovery Associates LLC failed to provide me with all the information I requested in a dispute and have a right to under California debt collection law. Specifically they failed to provide the following : -CA license # -CA branch information - the date I allegedly defaulted with original creditor -An official document stating they are the owners of the debt ( Not just a letter paragraph typed up with no legal letterhead or signature from respective parties ) How much they paid for the debt and specific date and time that transfer transaction took place -Names of all purchasers since chargeoff - failed to provide receipt and reasoning for every interest charge since last payment on debt ( explaining how a credit limit of {$300.00} at XXXX of XXXX can accrue over {$130.00} of interest in less than seven months which is the usual chargeoff period ) - also explain the discrepancy of why the balance they are collecting on is {$430.00} when the statement they sent from XXXX XXXX says the last balance was {$420.00}. -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 ]. } Given that I originally disputed this debt XX/XX/2022 and Portfolio Recovery Associates LLC first and only written communication with me has been on XX/XX/2022 and arrived to me on XX/XX/2022 after my dispute with the cfpb on XXXX XXXX XXXX. Along with their lack of good will in abiding by my california consumer rights even when I presented those rights and requests in my original dispute they still refuse to supply such data and protocols that are required of them. As such I believe a fair resolution to this matter would be that the debt account closed and stopped being pursued in my name. Along with the collection being removed from all three reports from the major credit bureaus
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
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: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery has been harassing me for over a year now with repeated phone calls. When I block one number, they call from a different number. The most recent phone call is when they called twice XX/XX/XXXX at XXXX XX/XX/XXXX from a ( XXXX ) XXXX at XXXX I would have to go back on my phone bill for the numerous calls
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Contacts me at least twice a day as well as calling my relatives that has nothing to do with it. XX/XX/XXXX called me and my upset three time XX/XX/XXXX called me once XX/XX/XXXX called me twice and my husband once. XXXX of XXXX - XXXX at least me twice from different numbers and my husband once. Caused friction on his job when they call during the day. I receive calls from numbers ranging from NC, GA, CA, TN, TX to name a few. I asked them to stop calling as I am working with a credit repair company, but they keep calling us this has been going on for over 5 months now.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A