Date Received: 2022-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery has reported this account to XXXX XXXX, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards Portfolio Recovery, they claim they are with XXXX XXXX. I did have an account with XXXX XXXX under XXXX which is a currently closed company that filed bankruptcy. XXXX XXXX is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. Portfolio Recovery is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. Portfolio Recovery has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I've filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I not received any investigation reports.
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I asked the credit Beauru to do a verification of everything on my report. They did and stated everything was ok, I did a thorough research and found improper inaccuracies on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy 15 U.S.C 1681section 2< it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I asked the credit Beauru to do a verification of everything on my report. They did and stated everything was ok, I did a thorough research and found improper inaccuracies on my account. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy 15 U.S.C 1681section 2< it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: First off, their customer service is abhorrent! I have been trying to dispute this debt since I learned from other means that I had already been taken to court. I never received notification from these guys that they were serving me. I have checked with the courthouse and the physical description they have of me on file doesn't even match my actual physical description. I don't know who the blonde with perfect eye sight is but, it definitely isn't me. I was never notified of the debt to start because these accounts they list are a result of identity theft and after I have dealt with their customer service I understand why identity theft is so rampant in our country. I had over 5 different reps just provide me with the address on the account and ask that I confirm that it was my address. 1. Not my address. 2. How did you obtain the address since I never provided it to you. 3. How does your skip-tracing work? I only ever called or chatted from the address you have on file. I've never lived there. These guys grossly violate compliance with their skip-tracing program. I have to assume the reason why they have the address that they do is because they are violating my privacy rights by using cellphone location. It's the only way that address could've shown up because I have never lived there. These guys seem to have an awful lot of information about me without any documentation showing I've consented to any of what they've done. I believe these guys stole my identity at this point since they haven't been able to provide a single signature for any of the accounts they are collecting. These debts are invalid. They've not only stolen my identity ( hey, they have the information and nothing indicating consent from me ) but, now they're trying to steal from me further. They never notified me of these accounts properly or else they would have mail confirmation receipts. Anyone can type or copy and paste a letter then change the date so that it makes it look like they're compliant but, I know these guys never sent anything out since they're the ones that stole my identity.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: The voicemail was left on Tuesday XX/XX/2022 at XXXX eastern standard time by portfolio recovery. This voicemail was left on my family member 's phone number stating that this is a call from a debt collector for XXXX XXXX. They are not allowed to disclose that they are debt collectors prior to speaking with me directly and confirming that I am in fact who I say. Not on a voicemail
Company Response:
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery calls at least 6 times a day at all hours of the day. Theyve called before Ive woken up in the morning- before XXXX, and theyve called relatively late in the afternoon too. I have talked to them before to stop calling but they continue to do so and the lady I talked to about it was not nice. I have since blocked the original number and they keep calling me on new ones now, every time I block it.
Company Response:
State: PA
Zip: 17257
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint against Portfolio Recovery on XX/XX/XXXX. So they called last night, at XXXX, from phone number XXXX. The prior complaint I filed about this company isXXXX. It seems that filing a complaint about a debt collector only increases the frequency of the calls. This was the second call in a week, an escalation on their part. If the CFPB is toothless, then quit wasting our time.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to the Fair Credit Reporting Act, debt collectors are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Account : Portfolio Recovery
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently applied for a home equity loan and the credit check showed that i owed XXXX to a company called portfolio recovery. I called the company and they told me the charges came from a XXXX XXXX XXXX. I told them i never applied for or owed such a card. I informed them that the account was associated with an address that i rented back in XXXX for XXXX months. The purchases were made from a XXXX XXXX XXXX store back in XXXX my only child was XXXX XXXX XXXX at that point i had no reason to buy toys and games from XXXX XXXX XXXX. I did received calls possibly from them regarding this issue but none of what they said seemed valid or sense to me. I thought the calls were a scam or spam. I told them to send information regarding this .i filled it out and mailed it back to them. I heard nothing from or about XXXX XXXX until i applied for the loan in XX/XX/XXXX. I also contacted XXXX credit and XXXX back that sold the account to Portfolio recovery. I informed XXXX back that i never had any credit cards associated with them and they confirmed that. There representative told me they would take care of this matter but apparently never did.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A