Date Received: 2022-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: PRA states that is sent verification of debt sometimes in XXXX of XXXX. Attached a copy of a letter that was mailed to my current address. I was living at this current address in XXXX so PRA is sending falsified documentation with my current address. I recently moved to this current address in XXXX.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the unfortunate victim of a fraudulent credit card being created, used, and " charged off '' to a collection agency. I have attempted to reach out directly to the original creditor ( XXXX XXXX ) and also the company that holds the debt now ( portfolio recoveries ) but have not made any progress after following through with requested process. I have tried on multiple attempts to explain the situation to them regarding the account with what little knowledge I have on the account after discovering it on my credit report a few years back.
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Phone number called me several times a day over a period of weeks but i never answered and when I finally did, there was no mention that they were a debt collector. I asked her what 'portfolio recovery does and why they keep calling me ' and she refused to answer unless I confirmed my identity.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I ask Portfolio Recovery to do a verification on this account they are reporting on consumer report, they stated that they did and they stated that everything is accurate, I did a thorough res myself and found improper inaccuracies on my report. Accordance with the Fair Credit Reporting Act Portfolio Recovery Account : XXXX, has violated my rights. last active dates, not accurate. against the status limitation, wrong address, Harassment and see attachments also in violation 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 a account without my written instructions
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information. On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat. Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications. Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq. BY FURNISHING DATA AND ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. XXXX auto used subscription I did not authorize after canceling subscription. XXXX listed itself as different names and I had no idea who the debt Iwas actually acused of owing. XXXX sold my debt to at least XXXX company I know of, Portfolio Recovery LLC, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. Portfolio Recovery LLC claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But XXXX claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in 2015. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created one.
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. I have notified : XXXX XXXX XXXX, XXXX Portfolio Services and Portfolio Services about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX My XXXX XXXX XXXX XXXX along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my XXXX XXXX XXXX XXXX and my items were stolen. PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls almoat always come from a different number. Only the caller ID says Portfolio Recovery Associates. The one time a call was answered an automated voice was on the other end. A voice-mail is never left to prove the company is legit or what they had been calling about. The list below shows all the calls that I didn't delete. There were more before that I probably got rid of on accident. It is ridiculous to call somebody this many times from different numbers. This is the definition of harrasment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt collector ( Portfolio Recovery Associates LLC ) has placed a collection on my credit report for a debt that is not mine. They are using an illegal practice by trying to collect the same debt from two individuals in the same household. I have attached two photos from my ( XXXX XXXX ) XXXX credit report and that of XXXX XXXX who lives in the same household as me. The Collections are both from Portfolio Recovery Associates LLC and have the same account number. The information I found interesting is that although the Collections are from the same account they are showing different debt amounts. This makes me assume that Portfolio is simply randomly collecting debt they do not have the right to collect. So because of this if Portfolio Recovery Associates LLC is unable to send me a debt validation that includes a contract or official document that has my signature from the credit card company stating I am the bearer of the debt. I also will need to be sent the official or government document stating Portfolio Recovery Associates LLC is the legitimate owner of the debt. They must also include their license # that allows them to collect debt in the state of California and the license numbers of Virginia where they are stationed. Lastly, I will need all the information about the debt including how much it was purchased for. If Portfolio Recovery Associates LLC is unable to provide this proper debt validation within a 30-day window then they must remove the collection from all three credit Bureaus as is my right under the Fair Debt Collection Practices Act. ( FDCPA ) If they refuse to do so I will have no choice but to sue them for the XXXX penalty for infringing my consumer rights.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A