Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are charging me some credit card charges and from a company called XXXX, where I am not responsible since they robbed me and I made the police report, they stole my ID, my cards and some cash
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ACCT # XXXX PAID AS AGREED TO PAY {$50.00} TO RESOLVE AND DELETE
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
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 sent dispute letters regarding name which is incorrect and have submitted fraudulent activity under name every month for the past 3 years and have spoken to debt collector numerous times to stop calling and harassing me because they are asking to speak to named person on letters but my name is similar but I don't go by that name. Amount : XXXX XXXX XXXX XXXX ( XXXX )
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had an account with XXXX XXXX which XXXX XXXX XXXX had possession of the debt which a settlement was reached and the debt was suppose to be eliminated. They later sold the debt Portfolio Recovery and it is causing my credit to plunge and the debt has been settled. XXXX XXXX XXXX has a class action suit filed against them for mishandling debt. Please if you all can look at resolving this issue it would be greatly appreciated. Portfolio Recovery {$1500.00} Portfolio Recovery {$1600.00} Account # XXXX In the letter they also said they acquired the debt on XX/XX/2019. This is total scam! XXXX was eliminated from report.
Company Response:
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and FTC
Company Response:
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was informed in XX/XX/2022 by XXXXXXXX XXXX that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to Portfolio Recovery Associates , LLC ( PRA ). I disputed this alleged debt in a XX/XX/2022 letter to PRA. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by XXXXXXXX XXXX I asked that PRA produce the relevant contractual agreement between me and XXXX XXXXXXXX XXXX or XXXX, that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. PRA responded by providing the referral letter XXXX XXXX sent to them. In correspondence dated XX/XX/2022, I called out PRA for their failure to substantiate this alleged debt. Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. PRA 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. portfolio recovery 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 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Call today, XX/XX/22 XXXX pdt to the XXXX prefix. I have no unpaid debt and I never have had any. I have lived at the same address for over 50 years so if there has been a bill from someone that is unpaid it would never have been sent to me. I get calls that I do not answer from Portfolio Recovery Associates from a variety of numbers several times a month that I don't answer and they never leave a message. After researching who they are and knowing that they are not a legitimate collection agency I never will answer, and I will continue to block their numbers but it is still a pain and it has been going on for over a year. By the way I worked for a Consumer Reporting Agency that also owned a collection agency and I know there is a right way to do the business.pi
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' -consumerfinance.gov `` We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, Non-Trustee, Beneficiary of the Social Security Trust and XXXX which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff. XXXX XXXX XXXX. v. PORTFOLIO RECOVERY, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Defendant. Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, and damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. Defendant, Your illegal communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- and existence on the XXXX, XXXX and XXXX credit reports of the Plaintiff is fraudulent. Now, there are various legal and lawful ways to approach Your illegal and unlawful acts against the Plaintiff, Consumer and Beneficiary. Let 's start with you putting into the record and public record, here on this " ... official website of the United States government '' which is displayed on consumerfinance.gov, as evidence and for examination by also the Plaintiff, the contract the Plaintiff signed that states the Beneficiary is legally and even lawfully bound to give You that which You are fraudulently attempting to obtain from the Consumer. The Defendant and definitely the Plaintiff already knows that no such contract exists and the Beneficiary never entrusted You with the Social Security Trust and Account information. Therefore, the Defendant shall immediately remove Their communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- which are also already personal damaging, illegal and unlawful act and offenses listed under collections section of the existing credit reports -- which should not even exist for obvious reasons -- stat, and forever keep it off! That action of communication You have done is evidence of Your already committed voluntary personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Defamation ; 28 U.S.C. 4101 ( 1 ) Libel ; 28 U.S.C. 4101 ( 1 ) Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206 Aiding and Abetting ; 18 U.S.C. 2 Conspiracy ; 18 U.S.C. 956 You illegally and fraudulently communicated and claimed a debt is owed, which, again the debt is and has never been owed, can be communicated to the one to whom all alleged debt is responsible, anyway : U.S. Constitution ArtI.S8.C1 ; Congress. Will You harass Congress with Your communication which is fraudulent? Moreover, Defendant, You are hereby, put on written legal and lawful notice : XXXX U.S.C. XXXX ( c ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). This legal and lawful notice also means You must, have to, and shall remove your communication -- XXXX XXXX. XXXX ( a ) ( XXXX ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- from the Consumer credit reports, stat, immediately, indefinitely and forever. Furthermore, reparations is owed and in the form of a postal money order, or Post_Office-issued money order or check -- XXXX. XXXX ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff stat through the XXXX XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX. XXXX ( XXXX ) Libel ; XXXX XXXX. XXXX ( XXXX ) Harassment ; XXXX XXXX. XXXX ( d ) ; Truth In Lending Act ( XXXX ) XXXX ; XXXX XXXX. XXXX, XXXX XXXX. XXXX Aiding and Abetting ; XXXX XXXX. XXXX Conspiracy ; XXXX XXXX. XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A