Date Received: 2022-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. PORTFOLIO, balance is {$3300.00}, and account # XXXX
Company Response:
State: TX
Zip: 75039
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/22 XXXX XXXX, XXXX and PORTFOLIO RC. RE : We have disputed this account.
Company Response:
State: FL
Zip: 33055
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address. The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.
Company Response:
State: ME
Zip: 043XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Company Response:
State: GA
Zip: 30349
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Company refuses to provide a clear and concise validation of debt.
Company Response:
State: FL
Zip: 32208
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I sent a debt verification letter to Portfolio Recovery to verify a debit they are reporting to the bureaus. There was not a inclusion of a written agreement and/or contract, but instead a bill. On XX/XX/2022, XXXX MST I called Portfolio Recovery. Im expressed my concerns over the documentation I received to a representative. She expressed that she was not able to understand the subject matter and transferred me to and a manager. After communicating my grievance to XXXX ( manager ), he informed me that I was bound by my social number. I told him that they didnt send me any verifiable information other than a bill to link me to the account and it was illegal for them to report to the credit bureaus. He stated 3 times that they would send me more information and documentation. I immediately informed him that we now have much larger /significant issue because they were supposed to send my all of the requested information. I also told him that I wanted a copy of the recorded line for admitting to retaining information needed to prove it was not me. He denied my request and stated we will agree to disagree ; call back tomorrow and talk to the dispute office. And forced an end to the conversation. This company is violating my FDCPA rights ( 1 ) for reporting to the bureaus without any verifiable proof the account belongs to me and ( 2 ) for withholding requested information
Company Response:
State: CO
Zip: 80112
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2022 and on XX/XX/2022 I sent certified mail to Portfolio Recovery Associates , LLC requesting that they Cease and Desist any further communication about the alleged debt and also that the Statute of Limitations in South Carolina for this debt has expired. I asked that they delete this account from the credit reporting agencies and they did not comply. I informed them of the Law 15 USC 1692 ( c ) ( 1 ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Portfolio Recovery Associates , LLC is showing total disregard for the Law.
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed accounts on my credit report that was not validated or 100 % accurate and this company did it properly investigate the items reporting I also filed a complaint with better business bureau I am filing this complaint on my own behalf
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A