Date Received: 2022-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Greetings to all at the CFPB. Thank you for your service. It has come to my attention that a private company called Portfolio Recovery Associates is committing many violations against my Estate and my Name. My question to the CFPB is how can a private for profit company be allowed to collect and obtain my personal information without my knowledge, written consent, or court order? Does the CFPB allow companies to do as they please? I have requested that Portfolio Recovery Associates provide to me a proof of Authority that allows them to purchase, and collect the personal information of XXXX XXXX without a license at California where I live, my written consent, or court order. This is clearly identity theft by corporate bullies. My family is unable to obtain goods for our household like housing. This has to stop. I am asking that the CFPB regulate the false and deceptive business practices of PORTFOLIO RECOVERY ASSOCIATES. This is devastating to my family
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery has continued to report an account on my credit file without verifying with me if the account is mine. This reporting has caused me tremendous stress and resulted in denials of credit. I demand to see a contract that I have signed with Portfolio that proves I have a legal obligation to pay them anything. I also want to see proof of their agreement with XXXX XXXX that gave them authority to obtain my personal contact information and allege I owe a debt to them. I have never done business with Portfolio Recovery and according to federal law, they were to notify me that they were placing this negative information on my credit report 10 days before doing so, and they did not. They also can not provide proof that they have. This company has called and harrassed me constantly. I never gave Portfolio Recovery permission to report to provide any credit reporting agency ANY information about me, especially any negative information. In addition to reporting the negative info, they are reporting different info to each agency. No dispute was EVER resolved with me contrary to this lie Portfolio has communicated. There has been NO activity on this alleged account so how are there any recent reporting dates on it? I am in position to pursue Portfolio legally if they do not remove this from my report
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2021 the account was purchased by Portfolio Recovery XX/XX/2021 the account was reported to credit bureaus FCRA Violations 1. PRA contacted my by phone from their VA office and is not licensed to collect a debt in VA or Illinois. 2. PRA reported the debt to my credit report 4 days after the purchase from XXXX XXXX and did not send verification of the debt. 3. I was not given the proper amount of time to dispute the debt and the debt was not verified.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is collection on my report it was with XXXX XXXX but now XXXX XXXX XXXX has the account now
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received notice that you verified certain items on my credit report from the following companies. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX bank Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being charged by portfolio recovery and XXXX XXXX for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the XXXX bureaus and the creditor themselves. I was in federal prison from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was in federal prison from XXXX and Portfolio Recovery is collecting on a XXXX XXXX credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: For the last year I have received over 100s of calls from Portfolio recovery ( the collection company who bought the debt ). They continue to call me from a multitude of phone numbers.In 2021 I disputed the account with XXXX and requested that they validate the debt. XXXX XXXX XXXX never sent me documents verifying the debt they just sent an email saying that the company verified the debt, but I was never able to view the documents to validate the debt for myself. Furthermore, the debt has continued to report even though it is over 7 years old, and without me having the documents to verify I owe the debt which I rightfully believe I do not owe this debt, under perjury of law.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A