Date Received: 2022-11-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The company response does not meet requirements of validation .The dates being reported on credit report, address listed in response letter as their proof of debt notice is not my address and does not belong to me and or listed on or ever been used on my accounts listed on my credit report. Upon further investigation that is a childhood address of over XXXXyrs ago at a age not old enough to even obtain credit at such time .which proves Portfolio Recovery did not obtain my information from a creditor and participated in stolen identity /info and breached rights of privacy by searching public information and violated FDCPA Laws! Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Portfolio Recovery. Theres no contract nor agreement and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Portfolio Recovery nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore because they do not have a correct address for me Portfolio Recovery has violated law by not sending a debt validation notice amongst other violations that total XXXX a piece Portfolio Recovery now legally owes me more than the alleged debt by way of damages that were caused due to their negligence.So if this is not removed from my credit report at once I will proceed further legal action of my own!
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Back in XXXX of 2022, I checked my credit report and noticed a collection account on here by the name of Portfolio Recovery Associate Account # XXXX From XXXX XXXX for {$2600.00} I sent in multiple dispute letters in XXXX in hoping to resolve this matter with the creditor and the credit Bureaus. I did not get a response from any credit bureaus. According to 15 U.S.c Sec 1681, credit bureaus do not have the right to furnish anything on my credit report that is false and do not belong to me without my permission. Please investigate and remove this collection account off of my credit report as it hurts my credibility to financially borrow.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by Portfolio Recovery Associates by them claiming that my Estate owes an alleged debt while there violating my fundamental right to privacy. I was unaware that Portfolio Recovery Associates was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt Portfolio Recovery Claims is my personal debt along with my personal information was sold to them by XXXX XXXX. I never agreed to that. After realizing that Portfolio Recovery Associates was unethical, I decided to look into their license to collect debt in California. Portfolio Recovery Associates is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from Portfolio Recovery Associates because I can not obtain goods for my personal, family, and household benefit.
Company Response:
State: CA
Zip: 92410
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery calls me XXXX times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.
Company Response:
State: TX
Zip: 764XX
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: 2022-10-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was sued by this company in the state of Florida and according to XXXX consumer records, they are not licensed in the state of Florida.
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} PORTFOLIO account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt has been paid off since 2017 yet the finance company still calls continuously even after I have repeatedly changed my number, they track me down and then continue to call and harass me for a debt that doesnt exist. I have remitted the receipt several times and they still call. It is total harassment and its purposeful. The same company lost a class action lawsuit against them and I was reimbursed and they still call claiming that I owe them money!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent all three credit bureaus letters asking them to verify my debt. They responded by saying that everything is verified correctly. The problem with that, is that after they said that, my credit report is still showing inaccuracies. 15 U.S.C. Sec. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, Name of Account Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX # XXXX, PORTFOLIO RECOVERY # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from Portfolio Recovery, XXXX XXXX XXXX, and XXXX XXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A