Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates has failed to honor my demand to remove reporting information due to violating my privacy rights according the FTC. They have furnished information about me to non affiliated consumer reporting agencies WITHOUT MY CONSENT. Portfolio Recovery Associates chooses to bully and harass me after I sent a cease to desist all communications by continuing to report information without my permission and sending continuous mail about this alleged debt to try to coerce me to pay. See attached proof from the United States Postal Service from Portfolio Recovery Associates and account reported. These are violations and their actions is based on assumptions, not facts. They do not use their business name on envelopes, they disguise it as XXXX XXXX. Once you open the envelope, it states Portfolio Recovery Associates on the letter. In addition, 15 U.S. Code 1692g - Validation of debts, sending me a statement or an account transfer does not validate this alleged debt. Portfolio Recovery Associates refuses to address the violations to remove this account reported on me to these non affiliated consumer reporting agencies per 15 U.S. Code 1692d - Harassment or abuse. Portfolio Recovery Associates has received a written demand from me opting out to sharing my information via CFPB, which is documented and it has been intentionally ignored. Yet, they are questioning where the abuse is. Portfolio Recovery Associates believes that they are above federal laws and their actions show they will stand by their violations. Portfolio Recovery Associates confirms that they aware of monetary damages that will be invoiced per each violation committed in our previous communications. Portfolio Recovery Associates must provide the following documentation according to the federal laws they are violating : 1. ) The written consent that justifies their continuation of aggravated identity theft to share any information about me according to 15 U.S. Code 6801 - Protection of nonpublic personal information. 2. ) A contract with a wet signature that shows that I agreed to sharing my information. 3. ) A contract with both parties ( consumer and Portfolio Recovery Associates ) that gave me the opt out clause per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 4. ) Provide documentation from the FTC confirming that you are allowed to report information about me to non affiliated third party consumer reporting companies without my consent. 5. ) I demand per UCC 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, providing an audit trail. Show the creditor listed generated the money and loaned it out. I did not give Portfolio Recovery Associates permission per 15 U.S. Code 1693l - Waiver of rights. The attorney general is receiving a copy of all communications in regards to your violations of my rights to privacy. Portfolio Recovery Associates does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited. Portfolio Recovery Associates was never allowed without my permission to share data. Portfolio Recovery Associates shared my information to non affiliated third party consumer agencies, also known as financial institutions and private, for-profit companies, without my permission. Here are violations ( {$1000.00} each in damages ) acted by Portfolio Recovery Associates : 15 USC 1693I -Waiver of rights, 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692d ( 3 ) 15 U.S. Code 1692d - Harassment or abuse,18 U.S. Code 894 - Collection of extensions of credit by extortionate means, 15 U.S. Code 1692g - Validation of debts and 15 U.S. Code 1692d ( 4 ) - 15 U.S. Code 1692d - Harassment or abuse. Send all requested documentation in one mailing within14 days per UCC 9-210. See attached for requirements. This is the only communication to be received from Portfolio Recovery Associates per my request. I will be contacting the attorney general with the paper trail of our communications regarding these violations.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery violated federal consumer protection laws meant to protect me in two ways : First, by demanding payment of a debt via credit reporting that Portfolio Recovery couldnt prove was valid ; and by failing to verify the accuracy of the information they reported to credit reporting agencies. I have never owed a debt to the company they are alleging ; moreover, by inserting a collection item on my credit report, they are attempting to collect a debt - a debt that they have not sent a dunning letter for. The Massachusetts AG, along with countless law firms, have brought successful legal actions against Portfolio Recovery for attempting to collect debts not owed and various misrepresentations, which is what is happening to me. I have already filed a complaint with the Indiana AG and am researching legal remedies for Portfolio Recovery 's unwarranted attack on my credit, my character and for violations of FDCPA and FCRA.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote up a letter to Portfolio Recovery Associates for verification of the current debt ( {$4000.00} ) they have listed on my credit report. I sent this letter on XX/XX/2022 by certified mail to XXXX XXXX XXXX. XXXX, VA, XXXX. Today is XX/XX/2022 and I have not received any response from them.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not receive validation of debt via mail or electronically.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. I filed an arbitration case against Portfolio, who is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. Now the XXXX XXXX XXXX tells me that Portfolio is out of compliance with them, which means that not only my contract with XXXX, but the contract terms of each and every consumer that has been sold to Portfolio will not be upheld. So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the proof of the filing.
Company Response:
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX XXXXXXXX XXXX, Portfolio Recovery. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have by way of mail, phone, CFPB tried to get PRA to cease all unlawful collection efforts, and to cease unllawfuly furnishing my private information to credit reporting agencies. PRA has practiced this deception for months! Portfolio Recovery Associates has used abusive, unfair and deceptive practices in an attempt to collect a debt in which I do NOT owe, violating 15 USC 1692e. PRA has caused my telephone to ring multiple times violating 15 USC 1692d, harassing me. PRA has NOT provided ANY substantial proof that I owe them a debt. PRA has NOT provided ANY substantial proof that I owe a debt to XXXX XXXX XXXX in which they have right to collect from me.PRA indeed has admitted to conspiring with with XXXX XXXX XXXX to injure, oppress, intimidate me in my enjoyment of my right of privacy and my XXXX Amendment right, violating 18 USC 241. This is evidenced in PRA response in CFPB Complaint XXXX. PRA alleged that through the unlawful purchase of my private information, from XXXX XXXX Bank that PRA has a right to collect a debt from me, in which PRA paid for, in which they can't verify belongs to me, a debt in which XXXX XXXX Bank admitted can NOT verify, while ignoring federal and state laws to do so? Please me assist as many consumers are affected by the extremely predatorial PRA! PRA has violated many of my rights! PLEASE SEE ATTACHMENTS
Company Response:
State: GA
Zip: 30344
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I received a debt collection letter from Portfolio Recovery Associates , LLC. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was notified of my being sued with Portfolio collection company. I have tried t reach out to them to no avail, they never answer and never get back to you. I am XXXX and can not sit on the phone all day waiting for them to answer. I have been told by my bank that there was credit card fraud on my account as well as fraud through my debit card. The bank advised me to file a report with the police which I did do. They also told me to contact the credit bureaus as well which I did, I thought everything was straightened out when I received in the mail a notice that Portfolio was suing me for over {$7000.00}. Can anyone help me with this matter? I am going to answer the complaint as well at the court house but wanted some advice of what to do?
Company Response:
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A