Date Received: 2022-09-02
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response:
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discovered fraudulent accounts opened in my name without my knowledge or consent. I have been unsuccessful in obtaining original signed contracts for these 2 accounts. One of these accounts was even turned into a judgment against me without my knowledge. I am just looking for signatures to be able to press charges.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a debt on my credit report for the amount of XXXX dollars for a XXXX XXXX credit card that was issued in XXXX. It is a fraudulent debt because I was XXXX from XXXX til XXXX in a XXXX XXXX. Therefore I would not have been able to apply for or use any lines of credit.
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been seeing this on my credit report from Portfolio Recovery regarding over {$680.00} I still haven't received a verification of debt and I don't believe this is legitimate.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The Debt collection agency Portfolio Recovery has been repeatedly calling my work phone from different numbers throughout the day about a debt that I have no knowledge of! I have checked my credit report and do not see a debt from this agency and also have not received a letter in the mail regarding the debt amount they are calling about.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The stuff that is on there is under not my name, the dates of opened and closed accounts are inaccurate, the amounts are inaccurate.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In response to the complaint # XXXX, Portfolio Recovery is misleading me to believe they are the owner of this account and have the right to collect on this account. Portfolio Recovery is a debt collector and is regulated by the FDCPA, Portfolio Recovery is now trying to present itself as an " creditor '' since they claim they allegedly brought the debt. By definition ; " Creditor '' means any person who was owed a Debt which was not in default at the time it was obtained by such person. When Portfolio Recovery obtained this account it was in default according to Portfolio Recovery, so therefore Portfolio Recovery is no creditor and is violating the FDCPA by trying to mislead me to believe they are a creditor when in fact by definition Portfolio recovery is a debt collector. Portfolio Recovery has provided no proof that they have ownership and a legal right to collect on this account. They have not produced the original promissory note with my signature on it. I believe until proven otherwise since I never did business with them and never entered into any contract with them ; I have no obligation to this account and refuse any debt and any business with Portfolio Recovery. According to the UCC if Portfolio Recovery is not the holder in due course of the instrument than they can not enforce collection of the debt. According to the FDCPA it is very misleading to claim they have legal right to collect this debt without really having any legal right. Portfolio Recovery never produced any documents that prove this legal right and ownership of this account, such as the original contract/promissory note. The billing statement do not prove my obligation to pay any debt. The billing statements are also in the wrong name, so I'm unsure if this debt is truly mine. Portfolio Recovery is a debt collector trying to mislead me to believe they are a creditor which is another violation of the FDCPA and Portfolio Recovery is unlicensed in Nevada and should not be trying to collect any debt from residents within the state of Nevada. In Portfolio Recovery response to complaint XXXX, they never address the illegal activity of unlicensed debt collection. Portfolio Recovery is not licensed in Nevada and needs to cease collection on this account including credit reporting.
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am getting calls 10 or more times a day at all hours. They are asking for a person I don't know. I have told them I am not that person they are looking for. I block them and they change numbers. The company of Portfoliorecov XXXX or XXXX XXXX.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have requested proof of debt, documentation that proves it is my debt numerous times and I receive nothing in return. I have disputed with XXXX XXXX and XXXX to get the items removed and they are never removed. I am owed proof of debt and they can not provide it. They keep changing the dates and amounts... ..I am owed proof
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Third parties are buying the debt from XXXX XXXX XXXX, several had threatened me to court now Portfolio another third party. Portfolio calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A