Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX & PORTFOLIO RECOVERY ASSOCIATES , LLC have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company has been calling me since XXXX of XXXX. On XX/XX/XXXX at XXXX I answered and asked them to stop contacting me. They have contacted me from 11 different states as well as at least 23 different phone numbers. I have asked now 8 times for them to stop contacting me. They now just got an unlisted number and refuses to tell me what company they were calling from. I did some research and found out it is Portfolio Recovery Services that number is ( XXXX ) XXXX. This was today, XX/XX/XXXX. So over the past year they have continued to call even after I've asked them to stop many times.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt.
Company Response:
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Repeated threatening calls at all times of the day to include early morning to late night.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello my name is XXXX XXXX. Portfolio Recovery Associates , LLC has placed an account on my credit report that i'm not familiar with. I've filed a an identity theft police report, the case number is XXXX. The account number is XXXX the supposed balance is XXXX. The original creditor is XXXXXXXX XXXX XXXX & the Current Creditor is Portfolio Recovery Associates , LLC. I want this account deleted off my credit reports.
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX, collection Portfolio 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX was XXXX it was removed from my XXXX XXXX and XXXX credit reports and Ive sent supporting documents showing the removal of this account from my credit report and it was still not removed from my report hurting my score each day that this collection is on my credit report XXXX
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im my credit report its showing its in collection .. after checking with company and company website it shows that account transferred to another collection agencies .. when trying to contact another collection agencies then they said no such account with us. Now first collection agencies still updating in the report that this is collection account however the balance is zero
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A collection company " Portfolio Recovery Associates '' has illegally " re-aged '' a debt to XXXX and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. My consumer protection attorney advised me to file this complaint and contact the company before proceding further.
Company Response:
State: NM
Zip: 87106
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A