Date Received: 2022-05-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. Thank You, XXXX XXXX
Company Response:
State: NY
Zip: 124XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The following company never proved their methods of verification through several stages of written credit disputes : PORTFOLIO RECOVERY ASSOCIATES The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Company Response:
State: VA
Zip: 23669
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: Called before 8am or after 9pm
Consumer Complaint: Repeated calls, also calls to my parents. On the weekends calls at XXXX. As late as XXXX. Non stop, when I return calls they either dont answer or threaten, with garnishing wages. They immediately demand my SSN # and banking information. Never identify themselves until I ask numerous times. Its a debt collection services, Theyve put negative remarks on my score before speaking with me. Harassment and invasion on privacy.
Company Response:
State: SC
Zip: 29650
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: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the credit Reporting act Portfolio Recovery Associates # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 any reason.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a account with portfolio recovery a. I have disputed with credit bearus several times asking for VALIDATION OF THIS DEBT, I never received requested information and requesting this information to be deleted asap.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Portfolio Recovery assoc XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 purpose.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To consumer Financial Protection Bureau XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX And PRA Group Inc,XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX Dont want to understand, that account, account number XXXX not mines, I denied account Portfolio Recovery Associates , LLC, on an error They have continues sending letters and letters to my home without stop PRA Group IncXXXX XXXX XXXX, XXXX, VA XXXX has XXXX and to respond to my letter dated, see attached letter dated XXXX XXXX In return, retaliating and stalking, they mailed me the attached letter date XXXX As advise by Federal Trade Commission ID Theft Account XXXX not be any longer on my credit file and also to have account deleted from my credit file as advise by Federal Trade Commission Within 4 days as per at the receipt of this complaint Please find attached ID Theft report, dated XX/XX/XXXX And also to remove case from XXXX XXXX XXXX, case court number XXXX voluntarily within 15 days, after the filling on this complaint to Consumer Financial Credit Bureau Im requesting Immediately action , this matter is affecting me the ability to obtain credit and harming my credit file Portfolio Recovery Associates , LLC is obligated to provide me with a signed contract with my signature, they have never provide me with the document, Portfolio Recovery Associates continues and continues ignoring my letters and stalking me without stop Im attaching documents, ID Theft Report, FCRA 605B ( 15 U.S.C. 1681c-2 ), document, My letter dated XXXX XXXX, and Portfolio Recovery Associates LLC , letter dated XX/XX/XXXX Thank you XXXX XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Portfolio Recovery has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an 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 any purpose.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 XXXX account under an open end consumer credit plan as late for XXXX and purpose.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I believe this company is sharing information to people with the intention of collecting debt. I had someone who I believe is somewhat affiliated with this business ( XXXX XXXX formerly of Virginia ) contact my place of business and Participate in harassing activity and intentional fraud. I believe they have done this several times over as well as having this updated beyond seven years, at this time theres a settlement in place and which Im paying on however I believe that this is retaliation to a former complaint that was filed against portfolio recovery. I believe they have done this for over seven or eight years and I believe that they are accessing bank accounts and checking balances and expenditures based on the information they receive from companies to collect debt. It is racketeering at the minimum. It is human trafficking for them to profit while placeing people in the disadvantaged position. I dont know circumstances to anyone from portfolio recovery or any debt collection agency be ever allowed to conduct business with anyone with access to the holder of an account under the supervision.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A