Date Received: 2022-05-03
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: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
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: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out here is the tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving a phone call from XXXX XXXX XXXX and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit. I do have a current credit card in good standing with XXXX XXXX but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. XXXX XXXX had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX XXXX showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to Portfolio Recovery Assoc. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had an issue with my XXXX card in XXXX, a moving company overcharged me for services. I disputed the amount and refused to pay the moving company charge, which is being falsely reported as {$2600.00}. XXXX XXXX then sold it to portfolio recovery associates and they have falsely reported to the credit reporting companies that the debt accrued on XX/XX/XXXX even though their own statement states that the last payment on the account was XX/XX/XXXX. Portfolio recovery calls me every day on both my personal and business lines. I want them to remove this from my credit report, and to stop calling me on both my personal and business lines
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PORTFOLIO RECOV ASSOC {$680.00} Balance updated XXXX XXXX, 2022 PORTFOLIO RECOV ASSOC {$1600.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Two issues, 1. old debt that was written off over 20 years ago. 2. Is a medical loan charging 21 % interest and not paying down Principal with the monthly payments on a larger percentage of the split in how they record the monthly payment.
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My husband and I recently applied for a loan for a co-op. Upon checking our credit scores, they informed me I have an account that was sent to a collection agency, Portfolio Recovery Associates , LLC. I called them and they informed me that I have an account opened with XXXX XXXX, XXXX credit and I have incurred charges in the amount of {$2200.00}, which was never paid and was eventually sent to them for collection. I informed them I never opened a credit card with XXXX, I do however have an account with XXXX, but that is linked to my bank account and XXXX XXXX card, but it is not a credit card. Furthermore, the email address listed for the account is not associated with me and the mailing address they used, I had not lived there in over twelve years and my parents have not lived there in the past six perhaps seven years. Additionally, the account opened in my name is in my maiden name, I have been married since 2018 and my last name has been changed. I spoke with several representatives at Portfolio Recovery Associates , LLC, who informed me they will open an investigation into my account for fraud. I also called XXXX XXXX and XXXX ; and informed them as well. I gave them the same information as I did with Portfolio Recovery Associates , LLC. The representative I spoke with at XXXX informed me they do not see any credit cards opened in my name for them. The representative for XXXX XXXX, however, stated they will open an investigation into my account for fraud.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Ass. ( PRA ) has wrongfully assigned a debt to me. I have never signed a contract with XXXX XXXX. I asked them to produce a contract that I signed and that said they do not have one yet they refuse to delete this from my credit reports.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A