Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For more than a year, I have been trying to resolve a collection report that was filed into my credit report for a fraudulent account. I have no knowledge of the account. I challenged the creditor and credit bureau to provide me proof that it was me that opened the account. The creditor and credit bureau have failed to provide such proof ; I asked the creditor to show me proof of my signature on the application or the agreement of the account. The credit is not able to provide such proof. I tried disputing the collection account with the credit bureau and every time it comes back as verified. I do not believe that the credit bureau is performing its due diligence and properly investigating the authenticity of the account. I was never given any proof that this collection account is in deed mine. This entry of this account in my credit report is not accurate and must be removed. I am hoping that you can help me remove this account from my credit report. Thank you.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. Alleged debt with Portfolio Recovery Associates has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This debt has been disputed numerous of times, each time it has not been verified as requested. Calls are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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 attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist. Portfolio Recovery Associates continues to report NEGATIVE information. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. Each violation applied : {$8000.00} due for each violation. - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, a risk to my livelihood, mental health, and physical health. As stated above, Portfolio Recovery Associates has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Portfolio Recovery Associates must disclose my right to opt out and has committed fraud, which has no statute of limitations
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
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 had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.
Company Response:
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Sent cease and desist contact ( citing Fair Debt Collections Practices Act ) letter 2 weeks ago. They have contacted me at least 4 times since then.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2019 Portfolio Recovery Assoc Opened a collection Account # XXXX XXXX $ is what I owe Ive never signed a document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I dont know who they are and not written consent on my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three bureaus XXXX XXXX
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never received any money nor did business with Portfolio Recovery. Ive constantly been harassed and stalked by this company. Ive reported them several times with the credit bureaus and nothing has been done to stop them. Please Help
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A