Date Received: 2022-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent an affidavit of legal notice and conditional acceptance upon proof of claim dated XX/XX/2022 which is evidenced by green certified mail receipt ( attached ). Also attached is a copy of the correspondence I sent. All are equal under the law, truth is expressed in the form of an affidavit and an unrebutted affidavit stands as truth in commerce. They have not responded, sent an affidavit to rebut the one I sent, neither have they answered my proof of claim, therefore they are estopped. They continue to call me and harass me and have not responded to the affidavit I sent them and continue to post information on my credit report that they will not swear to as being true.
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away. Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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: On XX/XX/2022 a dispute was filed with Portfolio Recovery Associates , LLC regarding the debt validation for the contract assignment from the original creditor, right to do business in the state of GA, and continued reporting of 120-Day late payment to XXXX Credit Bureau . On XX/XX/2022 the company responded with an invoice of a bill from XXXX XXXX XXXX. Per FCRA, a collection agency is NOT allowed to report late payments on a collection account. Portfolio Recovery Associates has repeatedly failed to provide the appropriate documentation to establish their authority to collect the stated debt.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recovery Associates , LLC have been collecting payments as a collection from me. They were awarded this unlawful agreement through court. I have paid the unlawful debt agreement in full and instead of Portfolio updating the amount on my credit report, the company stated that I have being making inaccurate payments on the account after the accurate was paid in full. The company verified through several XXXX disputes that my account was accurate on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX. These verification were all a misrepresentation of my ability to make the unlawful payments. Therefore continued to damage my credit worthiness. I received a certificate of service in the mail that states that this unlawful debt was satisfied in full on XX/XX/XXXX, in XXXX of XXXX by mail. This is also a fabrications, the bill was paid in full in XXXX. Even with all the misrepresentation of this account on my credit report as of today, XX/XX/XXXX, Portfolio Recovery Associates , LLC is still showing that I owe XXXX on my credit report even though they sent me a letter stating that the debt is PAID IN FULL in XXXX.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THIS IS NOT A DUPLICATE. Re : Complaint No. XXXX The response given to the last complaint is not valid because PRA is still harrassing me. I sent in multiple cease and desist notices however, in each response they are continually going unregarded. This is a violation of the FEDERAL LAW. And it appears that this company is practicing racketeering. I have sent this company multiple cease and desist notices and one multiple occurences this company has failed to comply which is a violation of federal law! This company is conducting deceptive business practices and I, a federally protected consumer, am suffering due to them extorting me and falsely furnishing inaccurate information on my consumer report. Since XXXX, PORTFOLIO RECOVERY has been ruining my reputation. As a result of PORTFOLIO RECOVERY illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. Since XX/XX/XXXX, I have been XXXX due to my consumer report ultimately being the cause of me not getting approved for the apartments I have applied to. This, in result, has caused me a great deal of stress and anxiety especially being a full time working mother that XXXX. The amount of added stress this has caused me has also caused my child to suffer due to me producing less XXXX XXXX to XXXX, per my medical doctors observation. PORTFOLIO RECOVERY has unlawfully broken several laws and I, the consumer, have been left to suffer. I cry myself to sleep every night hoping that my suffering in my life with a negative consumer report will soon be over one day soon. This issue has caused issues within my personal relationship with my partner and other family members as well. My parents and siblings have been approached and harassed at their own homes and recieved many harassing and threatening phone calls. These occurrences have left them feeling unsafe and threatened at their very own front door. These threatening and deceptive practices are causing arguments within my family and my personal life. The attached documents that PORTFOLIO RECOVERY submitted as a response to my original complaint do not show anything more than an application for credit. I do not see my wet signature on any of the documents provided. I also do not see where I am obligated to pay anything based off of the copy of the contract that was attached. I do see several discrepancies in this alleged contract which makes it NULL AND VOID. Pursuant to 15 USC 1605, the finance charge is defined as the sum of all charges. PORTFOLIO RECOVERY violated TILA. As a consumer, I am protected by the Truth In Lending Act that PORTFOLIO RECOVERY openly violated. This company is also in violation of the Gramm-Leach Bliley Act pursuant 15 USC 6801 . Please see the attached documents.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: it is a company called " Portfolio recovery '' they are constantly calling and threatening. They even had someone come up to my XXXX XXXX XXXX daughter in the car while she was getting in and handed over documents when we lived in florida. My daughter was scared and crying.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The debt collector didn't provide me with a validation notice letter, but has been reporting it on my credit file since XX/XX/2018.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A