Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX )
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio recovery associates does not obtain a legal license to collect any debts in newyork state they have illegally attempted and has illegally impacted my credit score which has caused XXXX and extreme mental stress
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery has been calling me for XXXX years or more. This is my adult sons Debt not mine or my wifes. He hasnt lived here at our home for many years. I have informed portfolio collectors many times of this they say ok then continue to call from random numbers even from local numbers including my friends and neighbors.
Company Response:
State: VA
Zip: 244XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company by the name of Portfolio Recovery calls me everyday looking for a XXXX. I have told them time and time again that there is NO XXXX at my number. Then they ask for my information and hang up when I tell them it is not needed to remove my number from their records. I have told them to stop calling and that I will report them. Now they call and do not leave messages and hang up when I answer. I know it is them because if I call the number back it states on automatic response that it is Portfolio Recovery. I have no outstanding debt, no credit cards to my name and no unpaid medical bills.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that XXXX sent to my attention prior to 2022 was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts at XXXX XXXX XXXX, XXXX XXXX KY XXXX. The records that XXXX has purchased do not reflect a contract to pay signed by me, the contracts to pay were only signed by the identity thieves who stole my identity to open said accounts that are now owned by Portfolio Recovery Associates using my social security number XXXX. A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. On XX/XX/2022 Portfolio Recovery Associates provided me information to relay to them that I am a victim of identity theft. I emailed XXXX a copy of a FTC Identity Theft Report on XX/XX/2022. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making many credit inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. On XX/XX/2022 I have again disputed the inquiries via CFPB and directly to Portfolio Recovery Associates via email at XXXX and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX of XXXX XXXX completed an investigation for an account from XXXX XXXX. The account was closed due to fraud and was deleted off of my account. Before the investigation it was sold to Portfolio account services. I submitted the results from the investigation yet they ignored my email and proof. Its continually being reported to this day. Getting phone calls 7 days a week and addressing to several associates that it was fraud and was closed.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is trying to collect debt in a state that they do not have a license to collect debt.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A