Date Received: 2022-11-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery acting on behalf of XXXX XXXX Bank repeatedly called me XXXX times within a XXXX XXXX hour window. Yes, I owe a debt to XXXX XXXX, but the account was NOT in a past due status. I attached XXXX call logs from my phone showing a number from XXXX and the times they called.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I made a requested to have my information deleted under the ( CPA ) The company denied me my rights. Today again XX/XX/2022 I filled out another form to have that information to be removed. Please help me with this issue these companies have no compassion for the people living who is living in poverty.
Company Response:
State: CA
Zip: 94578
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: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute 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 authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the XXXX.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Company Response:
State: FL
Zip: 33319
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and Portfolio Recovery associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and Portfolio are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Inaccurate and defamatory information is being reported on my credit report. I have made XXXX attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them in XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received in XXXX. I have given well over XXXX XXXX for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have told the company several times I would not like to receive calls and I will call when Im ready to move forward with reconciliation. They call every day and different odd hours. Ive taken screen shots of the calls for proof. I made a payment and the answered the phone once after that. The lady specifically told me she cant schedule a call back when I told her it wasnt a good time, I stated that was okay and I will call back when Im ready to move forward with a payment plan. How do they go from not being able to schedule a call back but can call me every single day. I stated to them I will call when I am ready to move forward and they keep harassing me. Its ridiculous
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Portfolio Recovery-XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being disputedXXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. I am requesting that you remove this information from my credit report. Thank you for your help
Company Response:
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A