Date Received: 2022-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They never proved this was my account. They suppose to remove it am paying XXXX a month because keep calling and writing so am forced to pay a debt not knowing if is minds
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was never contacted by this company, not even a voicemail. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates LLC has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had paid off a past debt at the beginning of the year with Portfolio Recovery. I asked if I had other debts with them and if they could mail me proof of these debts. I have not received any communication by mail only by calls from Portfolio. They just recently contacted a family member about my debts. This is highly inappropriate as that family member is not on any loans or has knowledge of my debts.
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
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: Portfolio Recovery Associates LLC is reporting an alleged debt to the major credit bureaus as of XX/XX/XXXX. I requested debt validation by notorized document XXXX XX/XX/XXXX sent by certified mail received and signed for by business verified by XXXX but the business has failed to validate the alleged debt to date far exceeding the 30 day requirement by the Fair Credit Act. A contract between myself and original creditor and a transfer of debt document from alleged original creditor to Portfolio Recovery is required to collect and or report alleged debt. I request Validation to be posted here on the Consumer Protection site, do to the business claiming to send validation via mail to my address. Only requested documents are validation and gives the right to collect and or report on the alleged debt according to FCRA, federal and state laws.
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have a credit card for XXXX XXXX that is not mine. The card was opened in XXXX under the name XXXX XXXX. I was not XXXX XXXX then, my name was XXXX XXXX. I did not get married until XXXX, then changing my name to XXXX. The person who I believe stole my identity was my boyfriend 's ( at the time ) sister who's name is XXXX XXXX. Her and her boyfriend were visiting in XXXX awaiting the birth of my son. I believe they stole my SS number and opened a card in her name, stealing my identity. I can prove the name change with a marriage license. the previous complaint number was XXXX. I spoke with XXXX XXXX as well. They are doing an investigation as well.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 knows of has reasonable cause to believe that the information is inaccurate. 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES , LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX on a debt in which the statute of limitations has well expired. I have disputed the collection with PORTFOLIO RECOVERY ASSOCIATES , LLC several times to no resolve. They are now refusing to accept my disputes. They are trying to state my disputes are frivolous and that I need to provide proof however, they have never legally provided debt validation despite my numerous requests. The burden of proof is on them and they are refusing to comply.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Attempting to collect over and above what is owed
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. Attached is the ftc report Portfolio recovery XXXX XXXX
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A