Date Received: 2022-09-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
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 PRS sent to my attention was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts. Those records do not reflect a contract to pay signed by me the contract to pay were only signed by the identity thieves who stole my identity to open said accounts 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. Portfolio Recovery Associates has no record of my request or or dispute being received in relation to their initial notification letters because I NEVER received initial notification letters because they were mailed to the identity thieves who fraudulently signed contracts to pay using my social security number XXXX. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making monthly 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/22 I have again disputed the inquiries via CFPB 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: 2022-09-28
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 notice of right to dispute
Consumer Complaint: Date : XX/XX/XXXX Amount : {$660.00} I sent a written response to the collection agency on XX/XX/XXXX. I asked the company with a Section 809 Validating Debts of the Fair Debt Collection Practices Act requesting that the collection agency provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). I advised that I disputed this debt ; therefore, until this debt is inaccurate. They are still reporting the debt and have not provided me with the correct documents. I explained to the collection agency that they must immediately inform this debt is in dispute. Also explained that reporting information that you know to be inaccurate or failing to reporting information correctly violates the FCRA 1681s-2. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I advised them to do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recoveries listed XXXX collection accounts on my credit report. I contacted them and we settled the accounts and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The accounts are paid in full, but 2 days after it was paid the account updated with a balance. They were not deleted, and the balances due was updated to {$240.00} & {$96.00}. Then on XXXX, the balance has been updated to {$0.00} settled for less. This is NOT what was discussed or promised when paying the accounts. They need to stand by their word and delete the accounts not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.
Company Response:
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/2014 Portfolio Recovery purchased this XXXX XXXX account Attempts have been made to advise PRC that this account was taken out without my knowledge or consent. I have been looking for any paperwork with my signature on it and it has not been provided. This debt is time barred at this point.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account with XXXX XXXX & then XXXX XXXX sold it to Portfolio Recovery Associates on XX/XX/2021! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report. I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! THANK YOU!
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult. Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Company and their attorney sued me on the XXXX day of XX/XX/2022 after I send them a Cease & Desist letter on the XXXX day of XX/XX/2022 via certified mail with return receipt request to the company and their attorney.
Company Response:
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: An account was opened back in XXXX and was charged off due to the age of the account but now a debt collector is re-aging the account to XXXX as a new account on my credit report causing stress and holding me back from my full potential. I have dispute the claim a few times but the credit agencies still report the collections as a new account on my credit report, causing more stress and issues with me getting a loan and a decent credit card.
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over the last 6 weeks Portfolio Recovery Associates have called me from an auto dialer on a daily basis. They hang up every time I answer. I declared bankruptcy about 18 months ago. I finally got to speak to a live person who asked me if I owned a business. I told them no and I asked them directly to stop calling. The man consented but the calls continue. They call me during work hours, sometimes multiple times a day.
Company Response:
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: An account was opened back in XXXX and was charged off due to the age of the account but now a debt collector is re-aging the account to XXXX as a new account on my credit report causing stress and holding me back from my full potential. I have dispute the claim a few times but the credit agencies still report the collections as a new account on my credit report, causing more stress and issues with me getting a loan and a decent credit card.
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A