Date Received: 2022-07-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I reviewed my credit report and found a collections for Portfolio Recovery Associates. I disputed the account with the credit reporting agencies and Portfolio Recovery sent me a letter home sending documentation that included two statements from XXXX XXXX with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either Portfolio Recovery nor XXXX XXXX ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from Portfolio Recovery for said collections of this alleged account. As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from Portfolio Recovery the forward-flow agreement they signed with XXXX when they purchased said alleged debt. I also request Portfolio Recovery to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? I demand this account to be XXXX out, and deleted from Portfolio Recovery 's systems as well as XXXX XXXX, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
Company Response:
State: FL
Zip: 33175
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please help all my Consumer Rights has been Violated. 15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company is calling, refusing to identify themselves, keeps calling despite direct warning this number on the national do not call list, yet they continue. The funny part... then are inquiring for someone else, a friend from college, whom has NEVER ever, not once, used my phone nor would report my phone number as his own. So this creepy debt collector, whom ONLY identify themselves as " XXXX, calling for XX/XX/XXXX XX/XX/XXXXon a personal business matter '', is resorting to calling FRIENDS/associates of the person they're trying to collect a debt. They didn't say so but that is the only slimy reason they would hide their info and be non stop persistent. They call at least twice a week going on 9 mos to a year, different numbers, same caller ID " PortfolioRecovery ''
Company Response:
State: KS
Zip: 66044
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never lived at XXXX XXXX XXXX XXXX, SC XXXX that is attached to the debt. I did however live in the same town at XXXX XXXX XXXX XXXX, SC XXXX. I can only assume someone near me got hold of my information and made the account. I don't know how to prove I have never lived someplace other than providing the only two Drivers licenses I have had in the past decade. If you can please tell me what I need to provide to prove I have never lived here.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I notice portfolio reporting on my credit report never receive any notification or did business with this company before sent them a letters asking for a contract with my signature and nothing. I have attach a copy of the letter I sent.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company pretended to be my EMPLOYER and constantly has been calling my childs phone. This company is not releasing any information and has not sent the original agreement to my house if there is one, by mail.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Again, this is evidently a company PORTFOLIO RECOVERY ASSOCIATES XXXX I did not have a contractual relationship with. How are they claiming I owe them a debt? They failed to send me proof that this account belongs to me along with the name, and address. Another account under the same company PORTFOLIO RECOVERY ASSOCIATES Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I didn't receive the notice of assignment nor did I receive notification that this going to be reported on my credit reports as stated in the FCRA guidelines. The date of last activity is also
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying many times to dispute an account # XXXX with Portfolio Recovery Associates continues to try tie this account to me. I have suffered many set backs in improving my credit and I am becoming extremely stressed in dealing with them. They sent information to be to verify an account that is not my name and an address I never lived at.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I paid off a collection and was told it would be removed and it was just updated and still on my credit. It is not effecting my trust score..
Company Response:
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A