Date Received: 2022-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio says that I owe them {$2600.00}, but Portfolio has never sent a Regulation F letter, only letters with payment plans and threatening to send to litigation department.
Company Response:
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a letter Portfolio Recovery asking for : 1-validation of the debt-that is, the actual accounting. 2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dispute any and all debts PORTFOLIO RC claim to be collecting on me. I want them to send proof of right to this debt. Send me proof : Copy of the application of credit as I need to see exactly what debt you are trying to collect. Copy of the cardholder agreement ( THE CONTRACT ) and any amendments as what this will show the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. Monthly statements from when I had a XXXX balance up to the final statement, because I need to see all the charges, payments, credit, etc... To compare this with the cardholder agreement and see if the amount you are claiming is correct. What is your authority to collect this debt as I have never done business with you? If you claim to own any debt you claim I owe give me the full purchase agreement so I can see if you really own this debt. Please show me that this is not a TIME-BARRED DEBT.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Portfolio RC has violated my rights 15 USC. 1681 section 602 A. I have rights to privacy. 15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXX This credit card collections is not mine. 1. XXXX XXXX
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. XXXX XXXX opened XXXX XXXXXX/XX/XXXX for {$18000.00} XXXX XXXX opened : XX/XX/XXXX for {$730.00} PORTFOLIO RECOV ASSOC on XX/XX/XXXX for : {$2100.00} PORTFOLIO RECOV ASSOC was opened : XX/XX/XXXX for {$4200.00} XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Since XXXX this morning Sunday XX/XX/2022 Portfolio Associates has had people outside my house and has been harassing me to include inside my bedroom and even so low as to go inside my bathroom while I attempted to go to bathroom. They made derogatory and thinly veiled comments that were easily deciphered. the violated my spiritual life by suggesting they were delivering a message from XXXX XXXX suggesting i was not welcome and should stay away. They stayed around my house harassing me and my elderly father for my over three hours. These were the worst kind of dispectbal ever. They were beyond all bounds of human decency and were making a big joke out of things while causing embarrassing and attempting to humiliate and torture us orally with constand ugly and outlandish remarks. Any assistance with having these unsavory characters cease and desist would be greatly appreciated.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Over the past two years I've been erroneously hassled and harassed by the company Portfolio Recovery Associates LLC, in what appears to be improper and illegal collection policies. I've requested on numerous accounts that validation be provided in said debts that are owed, with no prevail. This company is inaccurately reporting information on my credit profile, and has failed to provide payment for my submitted invoice due to consumer violations.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Several attempts have been made to property validate and remove the account with Portfolio Recovery Associates , LLC. I have requested on multiple occasions that a thorough investigation be completed. This way is properly completed you would see that I was only of age XX/XX/16 years old at the time the account was opened. A copy of a statement with fraudulent information is not property " proof '' or " validation '' per the FTC. I just enter the credit world and this account is destroying my options before even getting started, why not property validate the account by providing a signed application with my signature??? This would have resolved the issue and I have endured so much as a beginner. Please remove this account immediately, or advise why you choose to report an account that is not mine and that I would be unable to obtain based on my age at the time of opening.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A