Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled a debt on XX/XX/19. I got an email stating it would be deleted from the bureaus in 30 days. When I called on XXXX stating that the amount was settled, no one could inform me if or when the deletion request was sent and I was told to dispute it with the credit bureaus to delete the account. The bureaus solely updated it and made no changes. Today is day XXXX. Now Im told because I disputed the account, that held up the process of deleting- something I was told to do.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Lack of Response from Portfolio Recovery Associates LLC On XX/XX/XXXX I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery Associates LLC to fill out Affidavit of Authenticity on each account they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery Associates LLC doing so. The company sent me a letter saying they validated those debts without Authenticating. With identity theft at a all time high. Asking Portfolio Recovery Associates LLC to sign a Affidavit of Authenticity and have it Notarized should not be a problem if it were my debts. It is XX/XX/2022 and this company still have these debts on my credit files.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called PRA. LLC and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.
Company Response:
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX : Has reported my debt twice that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice and are also reporting incorrect balances. I called Portfolio who is the other creditor reporting i owe them when its the same debt as XXXX but with a different amount. When i called Portfolio they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery Associates , LLC I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] XXXX XXXX XXXX ( XXXX )/ Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX Reference # XXXX Unknown credit account/tradeline, Hard Inquiry, on credit report. Dates : XXXX XXXX Dates Maybe XXXX and was sold toPortfolio Recovery Associates LLC XXXX XX/XX/XXXX. Very unclear about dates. Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine. o I dont recognize the accounts in question. o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. o I am sending all documents supporting that this is not me. o I am asking Portfolio Recovery Associates , LLC to remove these collections off my credit report as soon as possible. o I am sending copies of my old address XXXX XXXX XXXX, XXXX Ar XXXX lived there over 20 years. New address is XXXX XXXX XXXX, XXXX Ar XXXX. o I am also asking if there is any proof you can provide me that is was me that opened this account.If so please mail or email them to me XXXX o I have called this company several times to ask them to remove this account off my credit report and nothing from this company is being done. I have been trying for over 2 years to dispute this account and no one has done any investigation. o I have disputed this account and other accounts on my credit report. Someone has been opening accounts in my name in XXXX, Louisiana, and Arkansas. o This is not me nor I have not had a XXXX XXXX credit card.I have been trying to prove that this is not me. o Here is some information on XXXX I filed bankruptcy on XXXX any debt was cleared and updated on XXXX. Docket # XXXX at XXXX XXXX XXXX Arkansas .Chapter XXXX Bankruptcy XXXX, Attorney XXXX XXXX XXXX Marked Tree, AR XXXX This is public information. o I have only been XXXX XXXX XXXX, XXXX XXXX XXXX. o I have never allowed anyone to use my identity. o This is not me so please take the actions to remove it from my credit report. o I have sent you all the documentation you need. o Also this has been turned over to collections because someone has failed to get proper identification and has cost me to be harassed and my credit has been hurt from this. o I am asking your company to please fix this. o I am also asking if there is anything on my credit report that does not match my identity for you to do a fraud investigation. o Hopefully you can get this resolved. o Also my name is XXXX XXXX XXXX I am sending all proper papers to prove my identity. o Also all three credit bureau had my name incorrect. The credit bureau has corrected it. o I have been trying to get this fixed and when I dispute the false claim on all three credit bureau for about two years now. I hope we can get this resolved. o I can not express enough that this is not my debt. I am a victim of fraud. o o Thank You o XXXX XXXX
Company Response:
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to. CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney. They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means. 61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A XXXX XXXX credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. - Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even XXXX - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it
Company Response:
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery has been calling for weeks about a debt my father supposedly owes that does not exist and they keep calling me. My father does not have debts and I dont owe any debts. I told them to stop harassing me but they keep calling me. They call me during my work hours when I am XXXX XXXX XXXX XXXX XXXX. This is unprofessional and unwarranted. They call from a different phone number each time.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a Portfolio account listed on my credit stating I owe XXXX which is NOT mine. This is unknown and I have disputed with nothing being received back. Help
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have reached out to this " collection '' I now have on my credit report that I know NOTHING about I have tried to reach out and get a recording and the company calls and threatens to sue, take me to court, etc. They have now caused a bad mark on my credit report as well as an amount that I am not familiar with or why it was owed it's under my credit report under collections as PORTFOLIO RECOVERY A XXXX XXXX {$4600.00} I have no idea what this is and what it is for or if it was fraud. I hope you can help. Thank you,
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A