Date Received: 2022-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio Recovery Associates LLC is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. Portfolio Recovery Associates LLC are debt collectors demanding a debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have not received any goods or services from Portfolio Recovery Associates LLC and I do not know how Portfolio Recovery Associates LLC received my private information. Portfolio Recovery Associates LLC previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to Portfolio Recovery Associates LLCs failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from Portfolio Recovery Associates LLC. I am being harassed. As of XX/XX/2022, Portfolio Recovery Associates LLC will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. Portfolio Recovery Associates LLC is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Portfolio Recovery Associates LLC. , on behalf of another company at the expense of my private information being on display to whomever. I am not a party to any agreements that Portfolio Recovery Associates LLC may or may not have with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for Portfolio Recovery Associates LLCs purchase / transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Portfolio Recovery Associates LLC XXXX I have contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Portfolio Recovery Associates LLC. At this time, I demand no further contact from any associate or authorized representative of Portfolio Recovery Associates LLC. My credit files are not to be reported to or damaged in regards to this matter as Portfolio Recovery Associates LLC., are not Holders In Due Course with contractual agreements to support goods or services provided to me. All calls are recorded for my safety Please be advised that Portfolio Recovery Associates LLC., are not Holders in Due Course. Please Cease and Desist. I have included all proof in the attachments.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have reason to believe I do not owe this debt. This company is not licensed to collect debts in the state that I reside in ( XXXX ). You must cease attempting to collect this alleged debt until after you have provided proof of the appropriate state license. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. This has been reported to the CFPB.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my XXXX banking XXXX and I lost my phone number on XXXX, XXXX by the same perpetrator.
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2022-10-08
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: I have been contacted by Portfolio Recovery Associates , LLC via mail on XX/XX/2022 regarding a debt in the amount of {$8200.00}. The account number listed under " Account Details '' is XXXX. I do not have any responsibility for the debt Portfolio Recovery Associates , LLC is trying to collect. I do not have or have previously had an account or relationship with this company. I have sent Portfolio Recovery Associates , LLC a dispute letter by mail and email regarding the letter received. They have also been deceptive in trying to intimidate me by mention of a lawsuit. Portfolio Recovery Associates , LLC has reported inaccurate, invalidating and misrepresenting information to the consumer reporting agencies, in doing so have violated my rights and the provisions of the FCRA.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have had 3 accounts put into collections with Portfolio Recovery Associates. I had one last account which I paid off my last account on XX/XX/2022 in the amount of {$320.00}. The account was removed from my account about 2 weeks later. I then noticed that on XX/XX/2022 they added false information back according to my XXXX XXXX They added that I owe an account balance of {$16.00}. This brought my credit score down XXXX points. I contacted the company and they confirmed my previous accounts are all {$0.00}. I asked who should be contacted about correcting this false information that was added and the agent had no answer for me, only that he didnt handle credit reporting. He didnt tell me who in the company would. I feel like there should be some type of compensation or something done because this has hurt my credit due to no fault of my own.
Company Response:
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: account is stating inaccurate reporting account open as XX/XX/XXXX with Account type as OPEN, I XXXX detail as COLLECTION and Account status as DEROGATORY with a {$410.00} and XXXX late. Yet, Reporting date last payment as XX/XX/XXXX while payment history is reporting payments all the way from XX/XX/XXXX to XX/XX/XXXX being OK as agreed. This makes no sense with date last payment. There is no way account can be all of the above at the same time. Now, there is no possible way that account was first reporting date of last payment way before account was even open. Account is currently reporting OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with charge off XX/XX/XXXX still reporting account being opened with comments of collection account with the same balance of {$410.00} there is no way that account can still be reporting payments up to XX/XX/XXXX and balance continues being the same. if information was to be right there should be no balance at this point.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 SEC 602 States, " I have the right to privacy '' 15 USC 1681 SEC 604a SEC 2. it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as LATE for ANY PURPOSE.
Company Response:
State: TX
Zip: 78043
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A