Date Received: 2022-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account No. XXXX of XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After reviewing my credit file with XXXX, XXXX and XXXX. I found an inaccurate account furnished by Portfolio Recovery. I sent a letter to Portfolio Recovery to have the debt validated and never received a reply. I feel I have exhausted all remedies to solve this matter. The account Im referring to is Portfolio RC XXXX Account # XXXX, XXXX Account # XXXX, Portfolio XXXX Account XXXX XXXX. I have found the following inaccuracies : Account number is inaccurate, Date last verified is inaccurate, Date of last activity is in accurate, Date reported is inaccurate, Closed date no data, Payment status is inaccurate. Is this a collection or a charge off? And Last Payment is inaccurate.
Company Response:
State: PA
Zip: 17402
Submitted Via: Web
Date Sent: 2022-07-26
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 is not yours
Consumer Complaint: XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX XXXX XXXX XXXX ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They used a local attorney to sue me and they received a judgement for {$3300.00}. I started making payments in XXXX of XXXX, I made 2 {$50.00} payments ( XXXX and XX/XX/XXXX ). I received notice in XX/XX/XXXX they would be garnishing my wages. They ended up taking {$50.00} more than the judgement awarded. In addition it was PAID IN FULL on XX/XX/XXXX. I disputed with the credit bureaus in the first week of XXXX. They replied back with documents indicating I still owed {$420.00} which is blatantly false as it was not only PAID IN FULL on XX/XX/XXXX, but they had taken {$50.00} more than they were legally allowed.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise. The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ). After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ). There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They are reporting to the credit bureau on accounts that have been settled and they call me 7 days a week
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It's Portfolio Recovery Associates, they call on weekends and weekdays, 2-7 times weekly on different phone numbers occurring for months. Feel harassment amd invaded by company.
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates contacted me earlier this year, it was a phone number from Tennessee. Woman left a voicemail and told me to contact them. I mailed a letter to their headquarters requesting they stop calling me, and asked them to provide written documentation that I owed whatever they were trying to collect. About a month ago I got another call from Portfolio Recovery, this time from a California number. They did not leave a voicemail. Last Thursday, XX/XX/XXXX, at XXXX pm, I received another phone call from Portfolio Recovery, no voicemail. That phone number was ( XXXX ) XXXX. At no time has Portfolio provided me any information via the USPS mail. I have no debts of any type. I own my home and car. Student loans were paid off 30 years ago. Credit cards are paid in full each month. My credit reports show nothing. I want the phone calls to stop.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Act. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A