Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt collector Portfolio Recovery Associates , LLC Account XXXX Reference Number XXXX The first time I notice the fraudulent account, along with the fraudulent address attached to it was in XX/XX/2021. I reported the fraud then, to the credit bureaus. It was supposed to be removed then. Well, I received this letter attempting to collect a debt. This is not my address, nor my debt. I've never lived in OK. I've never taken out an account with XXXX XXXX. This is a fraudulent account. Thank you for your time. XXXX XXXX
Company Response:
State: TN
Zip: 38016
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2021 I contacted Portfolio Recovery collection agency spoke with representative XXXX ( female ) to pay off a debt for XXXX XXXX, I was then told after asking to send a letter showing it was paid off and to also report on my credit bureau the same. The representative then said she would do so but to allow 30 days for it to reflect, after a year later it is still showing on my credit report as not paid. I then contacted them again on XXXX XXXX and the rep said it does show paid in full and that she showed it reported as of XX/XX/2021 but if I wanted it off my credit report I had to contact XXXX XXXX to get it removed. I am requesting a {$1000.00} due this affecting my credit after a year of this being paid or immediate removal of this negative and incorrect information on my credit report. XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37128
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 done my due diligence to get this debt validated and to no avail. I do not have a contract with portfolio recovery. In XXXX of XXXX I filed a complaint and they responded that they will look into and it is now XXXX and nothing has been done. Therefore this account should be removed immediately from my credit report. All of the information listed on my credit has been altered and is incorrect. They are in direct violation of section 809 of the FDCPA and if the proper resolution is not rendered I will have to move foward with legal counsel.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates has failed to verify a debt in a response letter ( letter is attached ). It is alleged that I owe {$650.00} to XXXX XXXX. I don't owe {$650.00} to XXXX XXXX and Portfolio Recovery Associates has failed to verify/prove this claim. They sent some generic " validation '' letter but they didn't verify ANYTHING. They don't have any supporting documents, signatures, etc from XXXX XXXX. They bought a debt for pennies on the dollar from XXXX XXXX and is now attempting to make a profit.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Services Associates , inc, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. Portfolio Recovery Services made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. Lastly, the I do not and have not given Portfolio Recovery Associates permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for Portfolio Recovery Associates debt collectors to re-age XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: This corrupt company purchased the debt from an old creditor and continue to report it to the credit reporting agencies as a new account.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXXwithin the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? furthermore PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This collection agency is reporting false information. Portfolio recovery associates. I have disputed multiple times. I hereby request that they report correct information including date of original delinquency with original creditor, provide documentation confirming amount reported. This agency is using inaccurate and unfair reporting methods and have very questionable tactics in general. I will be contacting an attorney very soon if they can not provide me documentation confirming information reported.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. Once this extra level of the fraud was found, the other accounts were cleared as fraud. The only one left is a XXXX account for {$3500.00}. This debt was purchased by Portfolio Recovery a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. The actual open date according to Portfolio was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery purchased debt According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my place of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and procurement of consumer report for the resell without written consent 15 usc 1681 A ( e ). The furnishing of this inaccurate reporting of information is fraudulent
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A