Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates. I keep telling these people that this account is not mine. its been 7 years now and they keep " disputing '' it maybe 5 or 6 times now but its not going away for reasons I don't even know. This account was opened in XXXX. So that would mean I was XXXX or XXXX at the time. I am now almost XXXX. I now have XXXX kids and still am unable to independently put a rood over my children 's heads because this has been on my credit report and following me for years. All over something that is not mine. the amount is over {$800.00} and I don't have money just laying around to be paying off things that aren't even mine. This has been a nightmare and I just want it to be over.
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The last XXXX of my social security number are XXXX. Portfolio Recovery has not provided adequate debt validation. Account opened fraudulently. Not mine. Not authorized. The company is in violation of the FDCPA, will be filing a lawsuit, if not deleted from credit reports.
Company Response:
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit act XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish account without my written consent or instructions
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I sent a letter to Portfolio Recovery Associates , LLC ( XXXX ) formally disputing an alleged debt, by requesting validation made pursuant to The Fair Debt Collection Practices Act and The Fair Credit Reporting Act, that is competent evidence bearing my signature showing I had or ever had a contractual obligation to pay Portfolio Recovery Associates , LLC. On XX/XX/2022 PRA signed for my certified letter, and responded by sending a print out of an unknown bill, failing to provide the requested information by law with my signature. On XX/XX/2022 I responded to PRA with a second letter of dispute, again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Portfolio Recovery Associates , LLC. On or around XXXX PRA sent the same unknown bill, again failing to provide the requested information by law with my signature thus violating ( including but not limited to ) FDCPA Section 809 ( B ) FTC opinion letter Cass from XXXX. Portfolio Recovery Associates , LLC is in violation of Federal law and needs to remove the item from my credit report.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt was unauthorized
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The last 4 of my social security number are XXXX. I did not open a King Size account with XXXX XXXX, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. Portfolio Recovery refuses to delete this collection account.
Company Response:
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I was given a bill for {$690.00} for an address I did not live in. I told this debit collector that was bothering me to stop and they did not.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have 3 accounts with Portfolio Recovery that are allegedly owned by Portfolio Recovery since XXXX. I submitted an electronic request for a Letter of Validation and Last Statement from Portfolio Recovery on XX/XX/XXXX, they sent me a 'Courtesy to Debtor ' letter for all 3 accounts, I didn't not receive The Last statement. When I called to inquire about my initial Electronic request, I was told by a rep that there are " issues '' with my account and she needed to speak to a manager. When I inquired what the 'issues ' were, she stated that she is not able to find what I am requesting. I requested to speak to the manager and she told " I am a XXXX XXXX XXXX, there is no need to speak to a manager. Placed me on hold, and stated she would be sending me my requested documents, Then transferred me to the disputes department without allowing me to verify what she was sending me. When transferred to the dispute department, I requested to be electronically sent my requested documents. The rep then disclosed to me that they are not allowed to send items electronically, however my initial request was sent electronically. I opted in for electronic disclosures, and now being told " they can not send them electronically ''. She stated she was submitting my request to dispute the debts. I requested again to speak to a manager and was place on hold for XXXXmins, from there I was being 'transferred for an additional XXXXmins. I keep getting transferred to different managers who are unable to issue me a Letter of Validation and Last statement. In addition to the 3 inquiring accounts that I did not receive an initial letter of validation, I received a new account for some medical bills, that was clearly a letter of Validation. Those accounts have been removed from Portfolio Recovery, since I took care of the debt with the original creditor. However, it is clear that Portfolio Recovery has changed their practices to now be in compliant with Federal regulations. Portfolio Recovery, can not verify a letter of Validation or last statement and is reporting the 3 accounts on my credit report. If there are " issues ' with my accounts, they can not provide me with the requested documents and their most recent Model disclosures are now in compliance with Regulation F and Fair Debt Collecting Practices Act, I am requesting these accounts be permanently removed from my Credit Report. The original 'attempt to collect a debt ' practice and disclosures were not within XXXX Regulations. For these reasons I am requesting the accounts be permanently removed from my credit report and the accounts closed, due to the lack of consumer verification documentation that is required in regards to FDCPA. It is clear that Portfolio Recovery, can not verify these accounts, and is 'passing the buck '. This is causing serious harm to my Credit. I am doing my due diligence to settle this manner, however if Portfolio Recovery can not provide me with the required documentation, then why are they reporting they own these accounts, why are they furnishing negative information, Why am I not allowed to issued electronic notices, when I clearly opted in online. Why does it take nearly 2 hours to get in contact with a manager who able to answer my questions. They are being deceitful in their debt collection practices and it is clearly cause due harm to me as a consumer. These are clear UDAAP violations.
Company Response:
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A