Date Received: 2022-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. Account # : XXXX {$350.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written any consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: PA
Zip: 19063
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written any consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: PA
Zip: 19063
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX, XXXX XXXX XXXX XXXXXXXX XXXX a collection. Account # : XXXX {$1500.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: portfolio recovery, {$850.00} last reported XX/XX/XXXX XXXX i disputed as account not mine i also have a fraud alert, they have not deleted. also a account for {$2200.00} last reported XX/XX/2022XX/XX/XXXX
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company, Portfolio Recovery Associates LLC, calls from multiple phone numbers almost every day. I have never answered their call. They have never left a message, and have never communicated with me as to what debt they supposedly are trying to collect on. I have never heard from them or about them previous to this. I sent them an email telling them that they should either send me something explaining why they were trying to contact me and what the situation is, or to stop calling me. They have ignored us.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2022-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PRA is attempting to collect debt not owed. Debt was reported as fraud both in XXXX and XXXX. Previous company, XXXX XXXX, closed accounts on credit bureaus in XXXX. Documents proving identity theft of my name, address and social security card to open a credit card with XXXXXXXX XXXX were mailed, certified, along with filed police report to credit bureaus and PRA. PRA has violated my rights to receive copies of ALL original signature pages of application for credit card, transactions made on said account, billing statements as well original documents on how PRA acquired the fraudulent account. PRA has asked for information they already posses and that which I learned from them. This is harassment. They do not need information they already possess. This company is close to missing the 60 day deadline to produce all original documents for my files.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am XXXX XXXX, and I am the author of this complaint. There are no additional parties involved in either the creation of this complaint, nor its contents. This is not a Validation of Debt Request- please don't reply with such details/attachments. Please do not dismiss this as such. Doing so is traceable and discoverable. Know- this is systematic, impacting a class of consumers. All of your accounts are a part of this dispute, and are in the same exact state. Please do not dismiss this as one - tradeline issue. First things first - I hereby dispute the FCRA date, and on all of your reported records on my consumer reports. Where you report - the dates are inaccurate, and - can not match. XXXX - XXXX are included in this complaint. Portfolio Recovery Associates ( PRA ) is a Debt Collector. PRA is not a Creditor/Credit Grantor, either by practice or by law. There is a clear delineation of these two types of entities. FTC - Legal Definition is found within the link below, and pasted for your convenience. Section 803-4,6 https : //www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text Understanding the separation, there are innate responsibilities a Creditor/Credit Grantor, or Debt Collector has in furnishing their data and to any CRA. All CRAs require consumer credit data to be submitted in ONE file format. That Format, is XXXX ( CDIA ), links below - specifically direct DFs to publish files to a CRA in this format. https : //www.equifax.com/business/data-furnishers/consumer/ https : //www.experian.com/consumer-information/reporting-to-credit-agencies https : //www.transunion.com/data-reporting/getting-started # FormatRequirements The XXXX File Specification, is called the Credit Reporting Resource Guide. I have attached - the Directives ( file specification ), from this guide that governs your data furnishing responsibilities, and as a Debt Collector. XXXX A Debt Collector leverages the same Portfolio Type - as a Creditor/Credit Grantor The Portfolio Type is = Other Debt Collectors however, are limited to about 19 fields for a Consumers record PRA - Routinely, sends more than what is allowed by XXXX PRAs Additional Data, Portfolio Type and repetition, create a false, misleading and fraudulent tradeline Terms, are never allowed by a Debt Collector on a XXXX compliant file You are sending MONTHLY ( again ) Payment History - is never allowed on a XXXX compliant file Pay Rating - is not allowed on a XXXX compliant File PRA is sending ( G ) Collection, every month, along with Balance History that can never apply PRA is publishing this ( you have deleted - and then resent this, at least once ) XXXX - is then allowing you into section 5 Other Accounts This section, is for Creditors/Credit Grantors and even by their own description Your account also says - 'Closed '' Lacks a CLOSED DATE Lacks an Activity Designator Screen shots attached as XXXX XXXX This can not be expected results, as any Tech team/forensic tech, could demonstrate its failure, and all of your files create the same data ( discoverable ) An actual Collection Account and then from XXXX - section 10, is also attached PRAs consumer reporting, results in their records establishing accounts as creditors, when its never ever possible to have this relationship with them The impact to a consumer score - is known Collections naturally age off on impact to consumer scores PRA has anchored itself, to prevent any natural progression - ever, and while they reside on a consumers file PRAs tradeline is fraudulent, mimics a creditor and is knowingly published, monthly and to all CRAs FCRA - FDCPA, and other elements of governing law XXXX prohibit your reporting, tactics and impacts to the consumer. I forgot - I build interfaces regularly, and understand technical specs === plus i just love the data. Delete your fraudulent tradeline - know, if you delete it again - there are rules expected when you try to reinsert it.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).
Company Response:
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This company portfolio recovery has repeatedly called me, my relatives, and leaves threatening voicemails about locating me and getting in touch with my supervisor they have called several of my relatives stating they know their address and will come to see if Im there.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since XX/XX/2021, I have been receiving phone calls from Portfolio Recovery from three different local phone numbers stating that I owed nearly {$3500.00} on a credit card loan that I did not authorized. The most frequent telephone number they called from is XXXX. On today and within the last XXXX months, I have received calls from XXXX and XXXX. The loan does not have my correct legal name listed, and I was in the process of a divorce when the company stated the loan was authorized. I was also not in the state at the time the loan was requested and approved. I have spoken with multiple representatives at the company, including submitting an investigation on the loan, and I also sent them copies of my legal information to show that I did not authorize the loan. To date, I am still receiving unwanted calls, and the balance was supposed to be removed from my credit report.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A