Date Received: 2022-09-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Section 1 : Accordance with the Fair Credit Reporting act account name portfolio Recovery ( XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is continuing to make hard and soft inquiries on my credit accounts and stalking me for years. I have never had an account that I signed authorizing a relationship with this company. I do not have any documentation with my signature or my authorization to initiate a relationship with this company, any and all information that Portfolio recovery has about me is a result of identity theft and the accounts they purchased from creditors were not authorized by me and was a result of identity theft and I have reached out to Portfolio company and requested that they no longer contact me or access my active account or my credit bureau accounts ; however, they are continuing to access the credit bureaus on a monthly basis
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this company has an account purchase through collections with my social security number that was a result of identity theft. i have disputed this account and provided documentation to prove that the account which has none of the correct personal information was not mine, the account was deleted from all three bureaus after being investigated but this company continues to harass me.i filed a FTC report as well.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. Collection agency seemingly don't or won't. Which confuses me more. XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report. XXXX ) someone is not telling the truth or being on the level, and it isn't me.
Company Response:
State: IA
Zip: 52803
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Theyre reporting a charged off credit card debt and have been calling any number they find that could be related to me. Most recently theyve called my work where I dont take those calls. The company that keeps calling is Portfolio Recovery Associates
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Creditors call multiple times. After regular business hours and on Sundays.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no idea what this debt is for. as XXXX my debts are paid in full please remove from my acc
Company Response:
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery keeps calling me to collect debt without telling me what debt I owe. I have run credit reports to check on my end what the debt could possibly be and there is nothing that is outstanding. My credit score is above XXXX so I don't know why they keep calling and harassing me. They call me at least once a day. It's infuriating.
Company Response:
State: WA
Zip: 98030
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They called on the following dates : XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and today XX/XX/XXXX at XXXX. I get multiple spam calls daily as well for the same creditor.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A