Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You have the wrong social in your system per your response! I disagree with the item listed below which still appears on my credit report, even after your investigation. I want this item immediately removed from my consumer reports. These inaccuracies are highly injurious to my credit rating. This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. I have been trying to rectify this with your company for over a year now. To date, you have not done your due diligence as mandated by law. Your non-compliance with federal law is unacceptable, and your disregard for it contemptible. Rest assured I can hold you accountable. As indicated by the previous CFPB # XXXX complaint. Your response stated and I quote Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. Again, the alleged debt was not properly investigated because you have the incorrect social security number per your response and supposedly records from your investigation. On top of that after my initial dispute with the credit agencies, you proceeded to mail a simple bill that is NOT considered a " validation of debt '' by any means and violates several consumer laws under FDCPA. Marked as exhibit A in attachments. Please also be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least eight sections of this act and I should be compensated pursuant to 15 U.S. Code 1692k ( a ) in the amount of {$1000.00} for each violation. See attached invoice I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. I highly doubt that this {$8000.00} debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Again I demand your remove ALL information resulting from this pursuant to FCRA 605B ( 15 U.S.C. & 1681 ( c-2 ) which states that this account must be removed within 4 Business Days of receipt. If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, ( see attached ), and I will take action against you for these continued violations and abuse. Consumer Violations : Please see attached invoice. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) -Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 15 USC 1692B ( 2 ) - communicating with a consumer that such owes any debt 15 USC 1692F ( 1 ) - collecting of any amount without expressly authorized by the agreement creating debt 15 USC 1692D ( 1 ) - harming my reputation/ defamation of character by reporting incorrect information 15 USC 1692B ( 5 ) - use of symbol and communication stating debt collector 15 USC 1681B ( 2 ) - furnishing information without consent from the consumer 15 USC 1692c communicated with me without me giving direct consent to do so 15 USC 1692e ( 10 ) - use of any false representation/deceptive means in an attempt to collect the alleged deb
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX the collection agency Portfolio Recov Assoc add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for this account. the creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate this debt and anybody can send a bill and say its mines. According to the FCRA XXXX Portfolio Recov Assoc ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery XXXX, for committing identity theft. I have never given Portfolion Recovery XXXX, 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 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 I have not validated any alleged debt with Portfolio Recovery A and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from Portfolio Recovery A, 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. If Portfolio Recovery XXXX, 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 15 U.S. Code 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 XXXX, 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 XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery XXXX, 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 notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I mailed a cashiers check XX/XX/2022 for the full payment on a debt owed to Portfolio Recovery and the debt is still showing as unpaid as of today. I spoke with a representative a week ago who stated that they had not received the payment. I tracked the check through USPS which stated that the check was in fact delivered to them in XXXX of 2022, the check has not been cashed as of last week. I have spoken with multiple representatives who have informed me that they are looking for the check in the office and for me to continue to call back to follow up. I informed the representative that I would like to rectify this situation and clear this balance seeing as though Ive made the payment almost two months ago. The representative disconnected the call at that time.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been contacting this company since I pulled my credit report and notice this company was reporting a debt that I was not aware of. When I noticed it on my report I immediately reached out to the company to see what this account was and if it belongs to me. The only thing I received was a bill for {$460.00} telling me to pay. I'm not paying this bill unless this company can provide me the contract they have to show this is my debt and it belongs to me. I've never received a bill from this company until now when I noticed it on my report.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.This is a fraudulent act by Portfolio Recovery and should be fined maximum amount of {$1000.00} per violation they have committed on my credit report. This acount needs to be deleted from My credit profile.
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n 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: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/XXXX I was previously notified by Portfolio Recovery Associates stating I owed a debt through them. I wrote in response to Portfolio a verification request of the debt and I received old credit card statements ( did not receive all information I requested to validate the debt ). I responded with another letter on XX/XX/XXXX stating information sent to me was not validation, Portfolio recovery Associates was in violation of the Fair Debt Collection Practices Act and I be sue. On XX/XX/XXXX I also sent a cease and desist letter to STOP ANY and ALL COMMUNICATION from Portfolio to yet receive two more letters from them dated XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery Associates are in violation of the FDCPA 15 USC 1692 for failure to validate debt and stop communication as requested. All correspondence I sent to Portfolio Recovery Associates were sent via certified
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 2. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX Arizona unfortunately has to provide. These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A