Date Received: 2022-06-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recently reviewed a copy of my consumer report and noticed Portfolio Recovery Associates ( PRA ) is furnishing negative and derogatory information. I have communicated to PRA multiple times to cease and desist use of my identifying information and any other personal information PRA may have on file or record about me PRA has failed to comply. I did not give PRA written and direct authorization to possess, use, transfer or sale my identifying information and upon becoming aware PRA obtained my personal information I advised PRA to immediately cease and desist use of my identifying and any other personal information. I also advised PRA to cease and desist infringing on my right to privacy and that any further attempts to invade my privacy will not be tolerated and PRA has failed to comply. I have no contractual obligation or agreement to pay any money or its equivalent to PRA. PRA is attempting to unlawfully collect a debt from me and violating my rights as a consumer. PRA 's conduct is causing direct harm to my character, credit worthiness and general reputation. Any further attempts by PRA to violate my rights as a consumer will not be tolerated and by sending this notice, I do not waive any rights to take action against PRA for past or future violations of the law. Any computer generated or unsigned responses will not be tolerated. A third party, legal counsel and/or attorney in fact was not used in the making of this complaint. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true. Executed 6-2-2022 B : C-E All inalienable rights reserved. Without Recourse
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting 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 my written instructions.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Portfolio Recovery Associates , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX XXXX XXXX XXXX. ) doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX XXXX XXXX XXXX. ) was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Portfolio Recovery Associates , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX XXXX. ) and Portfolio Recovery Associates , LLC is now civilly liable to pay me for the damages.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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: This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Portfolio Recovery on XX/XX/2022, at XXXX est and spoke with XXXX XXXX We both were on a recorded line and I let her know I would be recording for my records. She told me that I would be able to get a pay for deletion for a validated debt with them. I researched and saw that portfolio recovery does in fact participate with pay for deletions, however, once I paid and held up my end of the bargain portfolio recovery only updated my file. I am filing this complaint and requesting this account be removed from my file as XXXX told me it would.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: It was a XXXX credit that was sold to portfolio recovery in 2019. I have been get harassing phone call everyday since they buy it from XXXX credit. Call everyday even twice a day or more while at work. Now call me under different numbers, I want them proof it was my debit. Because XXXX credit or even XXXX get hacked. But I try to settle the the debt for less. They refuse it 3 times in one day. I said they use their harassing phone call be a XXXX dollar a day, of course they did not hear that. The debt is XXXX dollars.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2019, I bought furniture and the furniture was to big so they took it back to the store. So never received the furniture
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requesting assignment of debt. When the debt was purchased. Who signed for the debt to include original copy of application to prove they have legal right to collect.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 I have attached my affidavit and invoice. I want monetary relief due to the violations committed by Portfolio Recovery Associates , LLC a debt collection company. DOCUMENTS ATTACHED.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A