Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 33610
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of ( {$440.00} ) and ( XXXX ). Acct # XXXX ( {$270.00} ) Acct # XXXX ( {$440.00} ) The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The balance is XXXX and you know it, yall are just being trashy.
Company Response:
State: TN
Zip: 37830
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery, has continuously reported multiple accounts on my consumer file that are not mines & without my written consent. On XX/XX/2022 I notified Portfolio Recovery via email about two accounts they were wrongly reporting on my file. I demanded validation or deletion. They did not remove these accounts from my file while reinvestigating, they did not send me valid proof that I own these accounts. Instead theyve sent me a bunch of bills they alleging I owe with no valid proof attached & they continue to report these two accounts on my consumer file that are not mines.
Company Response:
State: NY
Zip: 10303
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: In accordance with the Portfolio Recovery Associates Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio complaint XXXX. Account XXXX. Their response- I was sent statements by XXXX XXXX that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The XXXX XXXX notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices Portfolio! and XXXX XXXX.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company calls me over and over and will not stop. Ive asked to be taken off the list, but they will not comply and are seeking personal information in order to collect. The company is portfolio recovery associates llc XXXX. I block their number and they call me from a different number.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates calls 3-4 times a day almost every day using a different number to get around the 7 maximum per week. Yesterday the number was ( XXXX ) XXXX and the day before was ( XXXX ) XXXX and the day before that was ( XXXX ) XXXX and a day before that was ( XXXX ) XXXX and so on.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. One account reporting in collections is from Portfolio Recovery Associates, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under Portfolio Recovery Associates has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both Portfolio Recovery Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against Portfolio Recovery Associates and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. I welcome any help that the CFPB can lend.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I never had business with those company, XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY and XXXX XXXX XXXX i WANT YOU TO INVESTIGATE THOSE COMPAGNY AND ASK THEM AMOUNT MONEY THEY ARE TAKEN FROM ME WITHOUT SENT ME THE PROOF THAT ASKED IN THE LETTER. i DID NOT OWN THE AMOUNT OF MONEY THEY REPORTED.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A