Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an original debt with XXXX XXXX acct. opened XX/XX/XXXX. In XXXX the account was closed with a high balance of {$290.00}. The debt was purchased my portfolio recovery associates , llc on XX/XX/XXXX. The debt buyer re-opened an aging debt on XX/XX/XXXX. I never open a new line of credit with this company, but I have two debts for the same account with different payments on my credit report. Because I am unsure of my rights and the laws I called and made a payment arrangement after attempting to dispute the debt and requesting validation. I was assured that the information was accurate, but it doesnt seem legal that this company can buy an old debt right before the statue of limitation is up and restart the aging process. Can your division please assist me with this matter. Original XXXX XXXX account ending in XXXX. Debt buyer account # XXXX. I am a consumer that is trying to correct my errors but feel that I am being taken advantage of due to my ignorance of the laws.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC Account # 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: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They say I opened an account in XXXX. Portfolio Recovery trying to collect a debt that wasn't open by me as I have a open account with XXXX XXXX now and they see that I didn't open this account that's why they allowed me to open an account with them currently. This isn't my account and I asked for solid proof such as a picture identification not a print out of purchases as anyone can do that. That doesn't say that I opened the account as fraud take place daily .You can't buy a closed account for pennies and seek payments from me I didn't open this account
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: N Accordance with the fair credit act XXXX account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I think XXXX was hacked. Please monitor XXXX. I checked my account and there is requests for loans. My credit score was lowered for no reason at all. Please call or email me at the information below. Email : XXXX XXXX or XXXX
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$510.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$490.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A