Date Received: 2022-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/21, I filed a CFPB complaint XXXX stating that this company had not responded to me after an entire YEAR. So almost another whole year has gone by, and I've yet to hear from them. I found a settlement letter online, and although I do not acknowledge financial responsibility for this debt, I offered a settlement. Still, Portfolio hasn't responded. Why is that, and what information have they provided the bureaus saying the account is verified? Portfolio Recovery 's lack of due diligence has been stressful and I've been denied credit!
Company Response:
State: GA
Zip: 30032
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: 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: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B. COMPANY HAS NO PERMISSON TO REPORT ANYTHING USING MY INFORMATION PURSUANT TO 15 USC 1681. ( 4 ) PORTFOLIO RECOVERY NEEDS TO REMOVE IMMEDIATELY THEY HAVE NO GROUNDS AND I HAVE NEVER DONE BUSINESS WITH THEM. THERE ARE NO CONTRACTUAL OBLIGATION BEARING MY SIGNATURE WITH THIS COMPANY. I AM NOT ASKING FOR STATEMENTS THAT DOES NOT PROVE THAT THIS IS MY DEBT. PLEASE SHOW ME WHERE I GAVE YOU OR ANY OTHER AFFILIATES OR THIRD PARTIES PERMISSION TO CONTACT ME OR REPORT MY PERSONAL INFORMATION. IF YOU CANT SUPPLY THAT DELETE IMMEDIATELY.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent a debt validation letter and never received a response
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account Portfolio Recovery is trying to collect is from 2015 or later. The amount is incorrect as well as the dates on my credit report. I have disputed this collections multiple times with no resolution. All I ask is the the dates on the original debt be corrected. Portfolio Recovery continues to change the dates multiple times over the years and sending me notifications by mail.
Company Response:
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Reporting Act XXXX Account # XXXX, has Violated my rights 15 USC 1681 Selection 602 States I have the right to privacy. 15 US 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 and purpose
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX XXXX XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Company Response:
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX NA XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Company Response:
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio recovery debt appeared on credit report. Debt result of identity. Portfolio denies fraud claim as valid. Portfolio fails to provide all requested original documents outlined by the law in time required to support their denial of claim. Portfolio continues to harass me after cease and desist letter. Included is police report of identity theft.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Wrote 10 times this letter : Dear Sir/Madam, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt ( s ) because I do not owe it. disputing this debt, that is not reported it in credit reporting agencies. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Failure to to this in the next 48 hours, I will legally file legal proceedings with the attorney general in my state. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A