Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have told XXXX XXXX this not my card and I have told portfolio and they refuse
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Company Response:
State: GA
Zip: 31721
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: NAME OF CURRENT CREDITOR : PORTFOLIO, ACCT NO : XXXX, PURCHASED ACCT XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ACCT NO : XXXX Portfolio Address : XXXX XXXX XXXX, XXXX VA XXXX Date XXXX XXXX To whom it may concern : I have sent to the Creditor Portfolio and XXXX several letters asking for validation of this account on XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am, XX/XX/XXXX first class electronic tracking delivered on XXXX XXXX pm, and XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX at XXXX almost 5 months later from when I first submitted, and I still haven't received a response back from Portfolio or XXXX XXXX I requested to be provided proof of the alleged debt specifically the contract, bearing my signature ( I am not requesting a statement for a statement is not considered as validation ) The FCRA says I should only have to wait 30 days for an investigation, and I feel 5 months is far beyond its statue of time. I feel that I shouldn't have to wait any longer to have my request granted. I am respectfully asking that this debt be removed from credit report asap especially since Portfolio purchased this account from XXXX XXXX XXXX and I have given permission for my information to be sold to anyone Thank you and hope to hear from you soon
Company Response:
State: PR
Zip: 00771
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery Associates violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXXXXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Portfolio Recovery Associates violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of {$460.00}. I am demanding Portfolio Recovery Associates to send me a forward flow agreement which will be all the information needed to determine if they have the legal right to collect on this account that XXXX XXXX XXXX XXXX charged off. Portfolio is furnishing information on a debt was charged off with the intent to coerce payment.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: When will the harassment end? This is harassment!!!! Aggravated harassment abuse is illegal. Portfolio Credit Recoveries is lying. I am the consumer, a natural person AND the original creditor. You can not VERIFY debt without me. Have you verified? I will not be providing identity documentation because your response to my complaint proves my claim. I do not owe you this alleged debt. Please find proof of my disputes that you fail to provide documents that VERIFY this alleged account belongs to me. A statement does not prove an identity. As stated, your aggravated identity theft tactics can not coerce me into paying this alleged debt. I am protected by law. You are a debt collector, you are not the original creditor. I am the original creditor. Show me proof that I owe this money from YOU. Show me the bill of sale that you paid for this alleged debt. Please find attached, my proof of cease to desist along with certified proof. I will be contacting the Attorney General about this abuse as well.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery called my job on XX/XX/2022 at XXXX XXXX. eastern time. Portfolio Recovery was told not to contact or call my job anymore. Portfolio Recovery did not listen to my request to do not call my place of employment and they proceeded to call again on XX/XX/2022 at XXXXXXXX XXXX. This is a violation according to15 USC 1692c : Also, Portfolio Recovery has sued me and taken me to court and the judge dismissed the case due to Portfolio not proving that I owed the debt and they did not show up.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio recovery associates , llc. At XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This place calls me all day everday from different spoof numbers. It says porfolio recovery on one of the numbers. The numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This is just the ones I am reporting, but it is more than that all day everyday.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A