Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 2 unknown chargeoffs being reported negatively to my credit report. I dont know this lender account. They continue to report and damage my credit.
Company Response:
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATES is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize Portfolio Recovery Associates obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. XXXX XXXX XXXX illegally transferred the account in reference without lawful authority to Portfolio Recovery Associates which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with Portfolio Recovery Associates and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification Portfolio Recovery Associates is committing aggravated identity theft. Portfolio Recovery Associates is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform Portfolio Recovery Associates that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXXXXXX XXXX I disputed the debt with XXXX and the debt was appropriately removed from my XXXX account but still remains active on my XXXX and XXXX account. Portfolio Recovery is not currently licensed in XXXX to operate which makes them in violation of XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i was checking my credit # XXXX, and notice that this company : PORTFOLIO RECOVERY ASSOCIATES Account XXXX Account typeDebt Buyer ResponsibilityIndividual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. this company purchase this so called debt, without my consent, i was a victim of a data breach and know all of the sudden i have this company buying debt without my consent. how is this legal?
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates claims they have ownership in a debt originally from XXXX XXXX. Portfolio Recovery Associates are also not licensed in the state of Michigan and had not produced the bill of sale from the original creditor to confirm they own this debt.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've received multiple calls from a slue of different numbers and have already asked this company to cease and desist all contact with me. They are trying to collect an alleged debt that is already past the statute of limitations and doesn't even show up on my credit report. I've already been in contact with the supposed original creditor, XXXX XXXX, regarding this alleged debt and they have no record of it on file. I have no intent to pay this alleged debt and am in contact with an attorney to address this matter further.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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 validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their XXXX validation window. I have not not received a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A