Date Received: 2022-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of {$3000.00} The collection has been reported as a past due to balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. This company does not have any contract with my signature
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've contacted portfolio recovery services and made them aware that these accounts were already deleted. I can't find the original documents that I've used to have these accounts deleted. I have proof via credit reports and screenshots that these accounts were agreed to be deleted by original creditor. They've been deleted and Portfolio Recovery are attempted to make fraudulent collections accounts on my credit report and I'm in the process of proceeding in a civil manner with my Attorney for violation of FCRA rules as well as my civil rights due to fraudulent collections and harassing letters. I don't have anymore collection accounts on my XXXX credit report. Portfolio has been deleted as supporting documents shows.
Company Response:
State: NY
Zip: 14621
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX XXXX XXXX XXXX number # XXXX and Portfolio Recovery Associates , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to Portfolio Recovery Associates , LLC tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio calls every day from different numbers. They refuse to provide accurate information regarding the debt and insist I make payments. They refused a settlement amount which has resulted in me having to seek medical care for the harassment. This company harasses consumers and makes it impossible to come to a resolution.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: All dates are included in screenshots. Portfolio recovery has been removing and adding back the same debt for over 6 months while dragging my credit score down.
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was reported to the credit bureaus for this XXXX debt. My scores dropped significantly because of this. This is also not my account. Belongs to a relative. XXXX bills are not supposed to be reported to the credit bureaus. Its the law now. I need this removed ASAP. Because of this my score dropped XXXX points and its not even my account.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this serve as the last communication and my intent to file with the FTC if this complaint is closed without someone who can go back to the original complaint and see that you mixed up my social " AS YOU STATED IT IN PREVIOUS COMPLAINT '' see the attached screenshot of your response! You clearly responded with another social that was not mine and you refuse to delete this item as mandated by law. Your noncompliance with federal law is unacceptable. I have maintained detail records of my communications with you on this matter ; for the purpose of file a complaint with the FTC should you continue in your non-compliance. For the umpteen time the following information is being erroneously included on my credit report, as I have advised you on now six separate occasions over the last two years. You have failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and now im to the point that I am tired of dealing with your company. So I tried to keep it professional with your company and allowed you to do the right thing.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
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 desperately need some help resolving the situation at hand!! I've dispute with XXXX, XXXX to no avil that Portfolio Recovery is reporting inaccurate credit information on my credit file. Even after being notified. XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection XXXX The date last activity was reaged every month i disputed this account with XXXX The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the XXXX which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A