Date Received: 2022-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN accordance with the fair credit reporting act XXXX account has 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 an account without my written instructions 15 USC 1666B : a creditor 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: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a VISA card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) 5-7 times per day, literally 7 days per week. From XXXX until XXXX, every 3 hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, 3-4 months after court date, they started again. For example, today, XX/XX/2022, I have received 4. Over the last several years, I have blocked more than 200 numbers from them, and they just continue to call from another number. I am XXXX with XXXX XXXX, and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back 2 hours later!
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2022-09-16
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 was result of identity theft
Consumer Complaint: *THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against Portfolio Recovery Associates , LLC and XXXX XXXX for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as XXXX XXXX has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I've never given Portfolio Recovery Associates , LLC my identifying information or XXXX XXXX the permission to share my identifying information. Being that Portfolio Recovery Associates , LLC has my personal information that is in fact Identity theft. Portfolio Recovery Associates stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( XXXX XXXX XXXX and the assigned ( Portfolio Recovery Associates , LLC ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: TX
Zip: 77099
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: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a XXXX card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) XXXX times per day, literally XXXX days per week. From XXXX until XXXX, every XXXX hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, XXXX months after court date, they started again. For example, today, XX/XX/2022, I have received XXXX. Over the last several years, I have blocked more than XXXX numbers from them, and they just continue to call from another number. I am XXXX XXXX XXXX XXXX and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back XXXX hours later!
Company Response:
State: VA
Zip: 229XX
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 was already discharged in bankruptcy and is no longer owed
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 XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX 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 XXXX 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: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice from PORTFOLIO RECOVERY ASSOCIATES. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. Again on XXXX XXXX I sent PORTFOLIO RECOVERY ASSOCIATES another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY ASSOCIATES on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. XXXX. Account number - XXXX XXXX. Account number - XXXX XXXX. Account number - # XXXX XXXX. Account number - # XXXX - IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY - ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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 disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent multiple letters to Portfolio Recovery Associates asking them to validate a debt they claim I owe in the amount of {$11000.00}. The first letter I sent was on XX/XX/2022 via tracking # : XXXX XXXX XXXX XXXX XXXX. They responded to me with a bank statement. Which is not proper validation of a debt. I then sent them another letter via tracking # : XXXX XXXX XXXX XXXX XXXX on a second attempt for them to validate this alleged debt. They again responded with a credit card statement. They have not provided me with the required documentation they are supposed to have. They have not provided me with what the money I owe is for, a detailed explanation of how they calculated what they say I owe, any documentation bearing my wet ink signature that binds me to pay them, Proof that they are licensed to collect in my state, or their license and Registered Agent numbers. Not to mention I did not give them any written instruction to place this account on my consumer report and they have violated my privacy rights. As far as I am concerned, I do not owe this debt to Portfolio Recover Associates because there is no contract bearing my wet ink signature that I signed. This account needs to be removed from all of my consumer reports immediately. Account Name : Portfolio Recovery Associates Account Number : XXXX
Company Response:
State: FL
Zip: 32605
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice from PORTFOLIO RECOVERY ASSOCIATE about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. again on XX/XX/XXXX XXXX I sent PORTFOLIO RECOVERY another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind that I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio recovery is reporting that Im in collections when Im on a payment plan on automatic debit payments, Im not late on my payment I have called and talked to them numerous times and they keep reporting inaccurate information on my credit report, I dont know what else to do about this.
Company Response:
State: IN
Zip: 46218
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A