Date Received: 2022-09-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX an account was sold to Portfolio Recovery Association, LLC. An account that I didnt know it ever existed. Until I was inquiring for a house. It had dropped my credit score XXXX points. I tried disputing multiple times about this collection. That it was an unauthorized transaction. I have a great track record of paying all my bills on time. This collection that I didnt do is dragging my credit score down. I did not receive any rights to dispute. Until recently they have sent me an email containing their evidence. They sent me a rights to dispute on XX/XX/XXXX, but to the wrong address! Thats why I didnt even know I had collections. They sent this rights to dispute to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Colorado XXXX, on XX/XX/XXXX. I have been living in XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX since XX/XX/XXXX. Due to Failure to verify my right address has caused my credit score to suffer.
Company Response:
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I found that I was unable to make my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments. My debt was in collection for 1 year with XXXX XXXX XXXX. I thought that I was in a position to settle the debt with XXXX XXXX but things didn't work out and XXXX XXXX resold the debt to Portfolio Recovery Associates XX/XX/XXXX. When disputing this account with XXXX, XXXX and XXXX the account isn't removed because the information they provide shows that I still have another year to be punished even though it has been over 7 years.
Company Response:
State: CA
Zip: 95926
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have received phone calls from unknown numbers saying they are taking legal action against me. They said they were Portfolio Recovery. They were leaving me harassing voicemails. I had to block these unknown numbers.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOVERY XXXX {$1900.00} - - - Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
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: Yes I have reached out to Indentity theft. gov here is my confirmation number for the two portfolio accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested verification of the debt in XXXX of XXXX and XX/XX/2022. I have yet to receive anything showing I owe Portfolio Recovery anything. No signatures from me. I've attempted to resolve this with the credit bureaus to no avail. I gave verbal cease and disist over the phone and they have not complied.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company continues to call family members outside my household. This tactic violates federal law and TN law.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX XXXX and portfolio recovery 's violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation. Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL. In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX. There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX and even have police reports backing that. Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court. This is blatant harassment and it has to stop. My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.
Company Response:
State: WI
Zip: 54901
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A