Date Received: 2022-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit act PORTFOLIO RECOVERY ASSOCIATES # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: No contract with Portfolio Recovery Associates and I do not acknowledge neither have I consented to anything with them
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose Please adhere immediately and remove from all credit bureaus or anywhere else. Award me {$20000.00} for my inconvenience. They are to never use my information for anything ever in life
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have written and requested validation of this debt from portfolio recovery and still have not been provided with validation that this debt is mine that is being published on my credit file.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: I made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do any business or extend my credit to this company. I didnt understand the meanings and it was not clear and conspicuous to me at the time. Because of there is no evidence of a debt only these papers of some type of copied papers of statements. The agreement should be voided because I made a uniformed decision and didnt understand. I could have made a better choice if I knew the details in full. There has to be more of a better understanding for consumers in these types of situations.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection account on my credit report for the amount of {$970.00}. This was noticed when we applied for a mortgage loan. Prior to this, I was unaware of this account. My husband assumed that this was an account that I had opened and sent in payment when a statement was received in the mail, and he never mentioned it to me. When I noticed this on my credit report, I contacted Portfolio Recovery. They are unable to tell me who the original creditor was, or who applied for the card in my name. The account was created online. They can tell me that it was a XXXX. This is not my account. There is also an address listed on my credit report out of XXXX, VA. I have never lived in XXXX, VA. Portfolio Recovery has asked me to send in supporting documentation to prove that I have never owned this account. I have no such documentation, as I would not, because I did not open this account. I have communicated this information to Portfolio Recovery several times, only to be sent a letter telling me that they are unable to tell me who the original creditor was ; but that this account is not in error. This account is fraud. I never opened it. I did not use it. My husband paid on it, because he assumed it is something that I opened. I did not. Please help me, as we are trying to buy a home.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I don't know the dates, amount or company, as this was over 20 years ago. Portfolio XXXX bought an old debt from some credit card company They call my phone everyday before the new law went into effect theywere calling 6-10times a day.Now they call everyday from a different number. No message nothing I have caller ID so that's how I know it's them. Phone numbers within the last week are XXXX, XXXX, XXXX these are just part of the numbers. I have asked them to cease and not to have any other contact with me for the last 4 months. They continue to call Everyday once someone did reply with a laugh and said I can call you everyday and you can't do anything about it. I'd didn't write the date down. I've even tried to block their calls and they use another number. I don't even know what credit company it's for. But I do know it's been atleast 20 years ago if not more
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account doesnt belong to me and I would like to have it removed from my credit report asap
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A