Date Received: 2022-06-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery has repeatedly called and sent letters to collect on a debt. The debt is over 7 years old and does not show on my credit report. I have asked for the company to annotate in their system that I will not be paying and to stop calling me. I receive 5-8 calls a day from them. I have no intention of paying the debt and just want them to stop contacting me.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed the account and yet they fail to remove.
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX issued a credit card under my SS # on XX/XX/15. I would have been XXXX old at the time. I did not apply for this card and was not even old enough to legally have a credit card. XXXX XXXX did not perform their due diligence when approving this card. XXXX XXXX then sold the debt to Portfolio Recovery Associates. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from XXXX XXXX as the seller. This is not a valid debt. This all started due to the negligence of XXXX XXXX. They will not help since the sold the debt and Portfolio Recovery Associates is ignoring the fact that I was XXXX old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I informed Portfolio Recovery Associates that the information on file was inaccurate via the dispute process through the main credit reporting agencies. I was informed the reporting was accurate by all three major credit bureaus. I requested a method of verification from within my dispute, in which I was informed my request was frivolous. However Portfolio Recovery Associates sent via mail a letter that would be considered the initial form of communication. The initial form of communication did not contain the necessary Mini-Miranda that would allow for me to dispute the debt with Portfolio Recovery Associates directly. not only did portfolio recovery associates disregard my rights, they continually report an inaccurate/ incomplete file which they state is complete
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint. We will continue to honor your attorneys notice of representation regarding the PRA account ending in XXXX. Then this account needs to be removed immediately based off the settlement this account should have been removed from my credit reports within 45 days of the settlement. this was settled through a court proceeding, so why are you still reporting this account which by law and order of the Judge it should have been removed within 45 days. I will also send this to the court and my lawyer to show proof that you have failed to follow a court order. See attached document that shows proof this account should have been removed.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I informed the company that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, they started in writing that the debt was verified and that these items are being reported correctly. They have NOT provided me with a copy of ANY original documentation ( a consumer contract that my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required Section 611 ( a ) ( 7 ). In the last interaction, the company said that they will no longer reply to my request to verify.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXXPortfolio reported to all three credit bureaus that a debt of {$650.00} is owed. I have no knowledge of owing such debt. It failed to contact me prior to reporting such derogatory remarks to all three credit bureaus. The creditor failed to follow the Fair Credit Reporting Act. Please delete the item from my report.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this complaint is on debt buyer Portfolio Recovery. I have been challenging this account since XXXX with the consumer reporting agencies XXXX XXXX and XXXX. I have also sent Porfolio Recovery a letter XX/XX/XXXX asking for proper validation on this account as I have the right to according to the Fair Debt Practice Act. the only correspondence they send me is a paper stating they deny any inaccuracies reporting to the consumer reporting agencies which clearly is false that is why I am writing this complaint. I have sent the consumer reporting agencies notices on two different occasions. the first letter i sent to the 3 agencies was on XX/XX/XXXX XXXX the second letter I sent to all 3 agencies was XX/XX/XXXX XXXX it is now XX/XX/XXXX and I decided to get a new report from my credit and noticed Portfolio Recovery has reported to XXXX and XXXX on the same day and XXXX on a different day. to my understanding if a data furnisher chooses to report, then the data furnisher must report consistent and accurate information to be in XXXX compliance that is also under the Fair Credit Reporting Act Regulations. and if this data furnisher chooses to modify a account then carbon copies are to submitted to all consumer reporting agencies on a nationwide bases that maintains a file under my name. Portfolio Recovery reported to XXXX and XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. now this is the same account but XXXX is reporting letters and numbers in the account number field that is inconsistent with XXXX and XXXX. The Date of Last Active field reports XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. XXXX is also reporting a Past Due of {$440.00}. Payment Status reports Late 120 days and XXXX is also reporting a Payment History as well as the Last Payment. XXXX has supplied me with results XX/XX/XXXX Updating this account with a on record until XXXX XXXX XXXX reports the date of XXXX deliquency date XX/XX/XXXX on XX/XX/XXXX making the running of reporting period to be XXXX XXXX as far a XXXX I only have my old report that reads for this account estimated month and year this item will be removed to be XX/XX/XXXX. again PROOF this debt buyer doesn't have the correct date of 1st deliquency date. XXXX is also reporting a payment history on my actual credit report. to my understanding a debt buyer is not a original creditor let alone a tradeline but a entity whom buy debts from creditors for pennies on a dollar. I have asked for verifiable proof from this debt buyer and I have yet to receive any valid proof that I in fact agreed to pay this debt buyer anything and yet this debt buyer has refused to cease reporting until valid proof has been provided. I cant be past due on a account from a debt buyer that I never had a financial agreement contract with therefore a past due amount, a active payment history and a late 120 days is inaccurate information. by porfolio recovery sending me a letter saying they deny any inaccuracies is plain out garbage. this is proof in black and white and I can guarantee that porfolio is also reporting different running of reporting period also, seeing that the date of last activity reporting on all 3 agencies are inconsistent. to my understanding when the date of last activity has been updated to recent activity that actually manipulates the statues of limitations on this account which can cause this account to be ILLEGALLy re-aged and left on my reports for longer than expected. all 3 bureaus have updated this date to XXXX of XXXX that's not fair. there has not been any verbal or physical financial agreement in regards to me and this debt buyer, in fact the only communication has been via mail and a payment arrangement has NOT been discussed. this debt buyer is in clear violation under the Fair Debt Practice Act and by the consumer reporting agencies continuing to report a invalid, unvalidated, unverifibale, inconsistent and inaccurate account, I also hold them accountable for allowing such illegal practices to be accepted just because they get financially compensated by reporting inaccurate information. this is why consumers are getting educated on there consumer rights like myself because were tired of these debt collectors and even the consumer reporting agencies taking advantage of us. when will the consumer reporting agencies comply under United States codes, state regulations and laws that they are suppose to comply with?
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding Portfolio recovery. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A