Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date Assigned XX/XX/2018 Account Number Open PORTFOLIO Recovery Original Amount Owed {$990.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Credit karma is listing a closed account that was paid in full in XX/XX/XXXX. Portfolio recovery opened in feb. XXXX. It was paid in full for XXXX in XXXX of XXXX. They said they lost the copy of the check and they could not investigate it they were not able to go that far back. Please investigate it. This company is a fraud and its ruining my credit. Thank you. XXXX XXXX
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have asked over and over again for proof of debt. Just because they say I owe the debt does not make true or accurate. I am owed under the law proof of ownership of this debt. I want proof that this is my debt and they can not supply it. I demand this removed from all three credit reporting agencies immediately
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery you are in violation of my rights and the law USC 1692 { b ] and 15 USC1602 { l } remove all accounts from my credit report s under the law you have violated my rights and these accounts are fraud
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates , LLC you failed to give me a right to dispute in your initial notice which you say was XX/XX/XXXX, I received the initial XX/XX/XXXX, which I immediately sent a dispute letter asking for validation of the alleged debt, you replied back about 5 months later saying you found no evidence of my disputes, but I have two returns receipt that states otherwise, and both receipts signed by the same person. PRA LLC according to FDCPA you in violation of 15 usc 1692e ( 8 ) you failed to report to the CRA 'S that this account is UNDER DISPUTE, according to FDCPA PRA LLC was supposed to cease desist all collection activity act until the alleged account was validated you continued to report according to FDCPA you are in violation of 15usc 1681b ( 2 ) Permissible Purpose to the consumer to whom it relates, I'm the consumer to whom it relates Permissible means- written instructions from the consumer, permissible purpose means consent, without permissible purpose means- identity theft. PRA LLC you said you didn't need my permission when does your company policy overrule FDCPA federal law rules? Do have a signed SSA Form meaning Social Security Administration of me giving you consent to have access to my social security number I know I didn't give it to you. PRA LLC stated I owe you an alleged debt XXXX I would like to know what the arising transactions was PRA LLC and I have for me to be obligated to pay your company for this alleged debt. According to law debt means ( transaction ) what instrument or goods did you provide me for me to owe you this debt. On my last attempt to reach out to your company you sent me a bill statement that is not a sufficient validation of this alleged debt. I need a contractual agreement between PRA LLC and I with my signature agreeing to this obligation. Also, it states on my consumer report I opened this account on XX/XX/XXXX but it says my first day of delinquency was XX/XX/XXXX so question to PRA LLC if I opened the account in XX/XX/XXXX How can my first day of delinquency be XX/XX/XXXX? That means this account was re-aged you are in violation of 623 ( a ) ( i ) ( a ) ( b ) false and misleading you are willing fully in non-compliance in the event you continue to report this that's a direct violation of the FDCPA for each violation I am subject to XXXX dollars.
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Requested a Verification of Debt from Portfolio Recovery Associates As of today, has not provided the requested information. PRA has not provided or responded to my request of verifying the information. Reached out to Portfolio Recovery Associates did not respond to my request at all. ( See attached A ) Certified return receipt to PRA ( See attached B ) Copies of letter dated XX/XX/22 to PRA PRA is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me. I am not aware or nor knowlege of this debt.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates opens multiple accounts keeping old accounts active in attempt to collect debt past the statute of limitations. Friday I received 1 call, Monday I received 1 call, Today, I received 2 calls from Portfolio Recovery even after they said that they ceased communications after there investigations due to my previous complaint of illegal activity within their business practices. But there is a portfolio recovery agent on the other end of each call.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PORTFOLIO RECOVERY SERVICES is in direct violation of my Consumer Rights. They are reporting inaccurate information to my consumer report. See attached.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A