Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened accounts in my name using my personal information and an old address I havent lived at in years. Cell phone accounts were opened as well. According to these different companies signatures were confirmed not to mine and the years these accounts were opened were opened at I hadnt resided at in years.
Company Response:
State: MD
Zip: 20653
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by Portfolio Recovery Associates on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter. Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above. Also, the original letter that they sent did not state that I had 30 days to dispute the account.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I opened an account for a credit card with XXXX XXXX, my card defaulted and I paid off my debt as a result. XXXX XXXX sold my account to Portfolio Recovery and despite me having paid off my debt, aggressively pursued double the amount I owed. They harassed me via telephone, email, and mail ; and have yet to prove I owe them ; because I do not. When I disputed this debt with XXXX, XXXX, and XXXX, they investigated but found no conclusive evidence to make a determination. As a result I continue to received unsolicited mail from this company and my credit report has yet to remove the unproven debt from my report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I entered an agreement last year with portfolio. The amount paid ach month is {$32.00}. I recently made my payment on XX/XX/XXXX in the amount of {$32.00}. The balance at this time should be {$2700.00}. The amount of {$32.00} paid and taken amount of my bank account was not credited to the account. The balance is still showing the amount of {$2700.00}. Where is the amount that I paid of {$32.00}??? I contacted the customer support line and was told that I made 12 payments but no reference to the amount of {$32.00}. TH rep then proceeded to cancel my agreement. I did not ask for the agreement to b canceled. I want to know where did that money go and why was it not credited to my account. This is extremely frustrating and disturbing. This is causing me extreme stress since I have been paying this debt collector in good faith and now this. I have had numerous issues before with this company. Please help me. Status : No pending payment or plan Your payment plan for this account was cancelled on XX/XX/XXXX Account Number : XXXX Account Balance : {$2700.00} Seller : XXXX XXXX Merchant : XXXX XXXX XXXX Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX Acquired On : XX/XX/XXXX Original Creditor : XXXX XXXX Account Open Date : XX/XX/XXXX Last Payment : {$32.00} on XX/XX/XXXX Original Account Number : **** Charge-Off Creditor : XXXX XXXX
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account has been re_aged by portfolio recovery agency. Same account number different dates. This is highly illegal and I request it to be removed immediately. A letter is to be sent following removal.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: unauthorized inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont know why they are calling me and why they did this inquiries. Maybe a identity style attempt theft
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also I have attached the letter sent out. According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company sends conflicting information on a debt they will not be able to collect. This debt will fall off of my credit repot next year and you still won't collect a dime! Credit in great standing and will not be affected by them continuously trying to collect a debt that I do not owe. They just sent a letter saying the balance was {$0.00} and the account is closed but responded on here saying that I have a debt with XXXX XXXXXXXX but have no proof that was me and no signature from me that I had this card. I have a 100 % payment history on all my accounts which can be seen on my credit history.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A