Date Received: 2022-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery XXXX XXXX based in Virginia- is committing consumer Fraud and Harassment- they left a voice mail identifying me by name saying that they were attempting to collect a debt. ( I do not have any debts in collections. Any debt I do have is paid regularly and on time. ) I called the XXXX number ( the call I had received was a local number. ) the woman asked for my SS #. I did not give it to her. She said she could not give me any information about why they were calling without it. I have not received any mail or letters regarding any of this. I went to their website and demanded a debt validation letter. ( See evidence below ) If this is legitimate then they should have to prove it. This is fraud. My credit monitoring company alerted me of a fraudulent attempt to secure a loan and I stopped it from being approved. I locked all of my credit reports in XX/XX/2021. This attempt to collect a non existent debt and find out my social security number is illegal. My credit report is clean with no past due payments and no collections owed. Please help. I have read that they ruin peoples credit ratings fraudulently. Thank you.
Company Response:
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The debt collector Portfolio Recovery Associates , LLC They already sued me for the balance of {$640.00} they said that I have been using the amount for my XXXX XXXX credit card for shopping, the account does not apply to me because someone has been using my information my XXXX, XXXX, and opened this account in XXXX XXXX and I never lived there before and that account has been opened my someone in XXXX XXXX and the address was XXXX XXXX XXXX, XXXX, XXXX XXXX and In the same year 2014 I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. Thank You
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2022-09-01
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: Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reached out to XXXX last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, XXXX XXXX XXXX, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to Portfolio associates while it was still in dispute status. I am documenting this complaint as a record both to XXXX XXXXXXXX XXXX and Portfolio associates that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither XXXX XXXX nor Portfolio have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent him many dispute letters asking for papers where they say that they are my accounts and the collections where it says that I sign some document to pay that debt to the collection companies but until now they never answer me with any document So in this case what I can do because XXXX, XXXX, XXXX keep reporting negative items on my credit score
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery has been calling me about a XXXX XXXX XXXX XXXX credit card that was opened in XXXX as a result of identity theft. I had a relative living with me that used my information to open this account. I have disputed this several times with Portfolio Recovery and they continue to call. I have told them that I will not pay this and to stop calling. They will stop calling for a couple months and then start calling again in the same cycle. This has been going on for years. I have spoken to at least 15 reps at Portfolio Recovery and I tell them the exact same thing. Each time I disputed it comes back as a valid debt but I did not open this account. My aunt had access to all of my information and she did this. I have a police report to show this.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Today at XXXX XXXX, the number XXXX called and left a voice mail claiming to be a company called XXXX XXXX XXXX XXXX I called them back using XXXX XXXX and requested that they cease and desist. I owe nothing. They are trying to scam me by pretending I owe a debt from 2002. Really? This company, whoever they are, should be held accountable in a court of law.
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Credit collection company continues to harass and reach out to my family members Thru phone calls and text messages. I am estranged from my family and being threatened about the calls I have asked the agencies to not contact any one I have asked for proof of debt.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX called portfolio recovery spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Rexovery Associates has illegally obtained my credit reports without my verbal or written consent. They have previously done this XX/XX/2022 and again XX/XX/2022, I have no known accounts, nor any communication in regards to any accounts with this company. I am requesting them to please stop obtaining my 3 credit reports from all 3 bureaus without my written consent.
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A