Date Received: 2022-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The account was transferred to a collection agency over 7 years ago, but the collection agency changes the date to keep the account active on my credit report. The account was a charge card for XXXX XXXX and the charges were added because I disputed a fee charged to me when the payment was made on the due date. I did not pay the fee, therefore late fees were added every month until it reached {$370.00}. I refuse to pay the amount and have discussed this with the collection agency. These fees are all charged because I disputed a late fee charge which they should have corrected. I am tired of this item being on my credit report and would like to have it removed immediately because I do not owe it and it has remained negatively on my account for over 7 years.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. Portfolio Recovery have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from XXXX Bank and have changed and updated there connect with me. This debt was closed by XXXX Bank.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I got this phone number in XX/XX/2021 after moving to TN from out of state for school. Since that time I have been repeatedly getting calls from " Portfolio Recovery '' multiple times a day, multiple times a week, at all hours of the day ( including overnight ). Initially they left a voicemail asking for " XXXX '' which is not me ( likely the person who owned this number previously ). I have sent an email to them asking them to please stop contacting me but they didn't respond. I have not answered their call fearing it was a scammer. Even though I have blocked them, they call from multiple numbers from all over the US not just one number. XXXX has said I can block a " person '' but only if they called from one number. Since they call from multiple, I can only keep blocking them manually which is not doing anything. They do pop up as " PORTFOLIORECOV '' in my caller ID. I just want them to leave me alone and stop harassing me!
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
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 ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES 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 ( 12 ). I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES 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 ASSOCIATES 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 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 ASSOCIATES 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 ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES 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: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX, and I am the author of this complaint, a dispute with PRA and with its compliance on factual credit reporting, their tradelines and results existing on Consumer reports, today. This has nothing, today and right now to do with VOD - this is all about PRA 's responsibilities for and of credit data- and as a Data Furnisher. You - dismissed your consumer reporting data issues- in the prior complaint, below please find the FTC rules you are mandated to follow. There is a class of consumers impacted by PRA 's electronic data - file, integrations, XXXX files - that is outside of compliance. No other parties, individuals- are involved in this dispute, as of today XX/XX/2022. The Do Not Contact request remains, to you - and, extends to any agency - company, entity you wish to engage with. Share who you have shared my data with - and as part of this dispute, and as mandated by privacy and credit reporting/debt collection laws. There are multiple complaints and with PRA - where the last response to their reporting and data inaccuracies, acknowledged was as follows : The complaint ID ( s ) is/are traceable : XXXX XXXX XXXX Here are some excerpts from your responses. The company responded that they are not the appropriate company to address your issue. The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. We take compliance with all applicable state and federal laws very seriously. We have no record of a response, or a dispute being received in relation to our initial notification letters. PRA furnished information from the accounts to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. In doing so, PRA confirmed with the consumer reporting agencies that PRA properly described itself as a Debt Buyer. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time. Please note the method of delivery, and for this final formalized complaint- as listed above. This dispute/complaint is as follows - and specific to the accuracy of data created by, PRA, and then PRAs responsibility to ensure its own records are creating expected results. The responsibility of a Data Furnisher- is broad, but thankfully spelled out by the FTC and its governance on your PRAs responsibilities. Please see the link below- for Data Furnisher responsibilities. https : XXXX You, PRA, are aware, of your tradelines results and at each CRA This would have been generated by SYS, SIT, UAT, Regression and UAT - Integration testing when deployed, updated or replaced PRA is then aware of the actual data its data is creating PRA has been notified as to their actual results PRA - has no method in place, to ensure actuals hey send - are ever expected results PRAs technology practice, then has no means to resolve issues it knows its data creates Typical SDLC - would never let a file escape testing, with unknown, or unexpected results You have been supplied examples You- are creating a Creditor Tradeline You are sending Terms You- are sending Payment History You- are sending Payment Ratings This is in fact - systematic XXXX- which governs your reporting/technical builds, forbid you from sending a Term, Pay History, Rating - but alas, you are Now, this isn't all of it and your tech team may need to explain why But know- I actually get the data, as will any tech forensic data person And - when challenged - everything - is discoverable This is my final dispute - and before a action - or class, unless you delete your tradeline And - whatever else you have attached to me, and in writing The penalties - shall outweigh, whatever you believe is recoverable PRAs response is - its the CRA - instead of fixing its own discoverable internal systems. Please own your data, fix the inaccuracies or delete it. In XXXX- your account is impacting Creditor accounts, and you are a Debt Collector. Usage, Ratio etc - your accounts are erroneously impactful. It never should. ( 1 example - there are many ) Then - even when you ( PRA ) show up, as an Other Account it says - CLOSED, in big black bold font. But - its not, or is it - make it make sense? The way you are presenting/presenting data escapes some of the algo, but can never escape all. You have what it does- and to XXXX. You know, that you show up monthly 120 plus days late in XXXX, XXXX - XXXX. You as a Data Furnisher have the responsibility to not just care, but also fix it. Please fix your data, or delete it. XXXX XXXX
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOV ASSOC ( XXXX XXXX ) '' collection account on the XXXX and XXXX bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.
Company Response:
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOVERY A ( XXXX XXXX ) '' collection account on the XXXX XXXX, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.
Company Response:
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this debt with all three credit bureaus and I have filed a complaint with CFPB as well. This debt is being passed around from debt collection company to debt collection company to see who will collect first. It is not fair to me when this is not and has never been a debt of mine. I have no idea how or when this bill was paid or why it stopped getting paid. This account has been taken off of my credit by the original creditor due to lack of validation but the debt collection companies do not care if the information is valid not as long as they can make money off of the innocent. This is not good business or fair to those of us who are doing what is right. If we do not use our credit because we are not constantly buying things how would we know that bad people are doing things with our credit. This XXXX XXXX XXXX has two different accounts and that alone should have thrown up a red flag but no one seemed to notice. I live alone, my kids are grown and I have informed mail delivery so I see everything that comes to me before it goes to my mailbox. None of the things that I am disputing has ever come to me. This is why I am requesting to have this false information removed from my credit.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A