Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Regards to NON-COMPLIANCE disclosures. SINCE THE DAY PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS DEBT, I was never informed, even my initial correspondence about the account that I had the option to opt out of specific privacy notices according to the FTC. I was not given any disclosures at anytime until this day. To make it clear this is not a request to VERIFY or VALIDATE this debt. For the record PORTFOLIO RECOVERY ASSOCIATES has not been in compliance with the Gramm-Leach-Bliley Act since the day THEY TOOK OVER THIS ACCOUNT. I came across this information recently and realized for all these years PORTFOLIO RECOVERY ASSOCIATES has violated my consumer rights and dishonored FTC regulations. How are we allowing for financial institutions like this to get away with things like this. My last dispute IN WRITING was about 15 USC 6802 ( A ) ( B ) ( 1 ) ( A ) ( B ) ( C ) ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I called them today XX/XX/2022 requesting privacy election opt-out forms and asked how come they never disclosed this information or annually, and why have they withheld this from me? I told them that was deceptive because no one ever inform me. I am learning my consumer rights and now I am realizing all this time they have been in violation. No one even conspicuously pointed it out to me and every year I supposed to receive disclosures just in case I change my mind or companies change their policies. They kept dodging the question. These are some abusive debt practices that these debt collectors perform when you don't know your rights. According to FTC, they stated that, " Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. '' I WAS NEVER GIVEN NOTICED ABOUT THIS. The debt collectors have obviously chosen PROFITS over COMPLIANCE. I want this account removed immediately from my credit report or I will be taking this further and suing for non-compliance of GLBA FOR 1. I didn't get a private policy notice with a " intro letter '' from PRA 2. I didn't get an opt out form with a " intro letter '' from PRA 3. I didn't receive a annual private policy notice from PRA
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: portfolio recovery is continuing to report inconsistent information between XXXX XXXX and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I have been trying to removed these companies I have no idea about how I owe them money. They are updating wrong information on my account like I just opened an account. It is frustrating to see how your name got attached to things you have clue about. I asked them to send me proof they are sending statements. Which is totally wrong information. Things I have no clue about. Please look into my account. Thank you
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Portfolio Recovery 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: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associate are in violation of the Early Warning Notice. The clause state that consumer had to be notified before placing collection item on credit report. Had been XXXX for the past XXXX months and did not receive any notice. Attached is my release document from XXXX and my address in XXXX.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX, XXXX XXXX, sent out a Affidavit of Truth stating the facts to PORTFOLIO RECOVERY ASSOCIATES , LLC via certified return mail ( XXXX XXXX XXXX XXXX XXXX ) which was received. I have two responses from them dated the same day, which is an insufficient/ incomplete response according to the the FDCPA. Please see attached.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a natural person/not a third party company I contacted portfolio recovery associates LLC Regarding an alleged debt claimed that I owed. An consumer defined in the FDCPA is obligated or alleged obligation same meaning as the word debt. They failed to provide me 5 validation that constitutes that validates a debt pursuant to 15 usc 1692g the first time they contacted me. I requested 5 validation of the debt for them to provide to me
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX Bank for the amount of {$2700.00} plus court costs. There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. The judgement is very clear stating I am not responsible to pay any part of this debt and that Portfolio does not have any right to appeal this judgement. Since that day, Portfolio has continued to tell all XXXX credit bureaus that the debt is valid. Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hi, I have new and updated information regarding Portfolio Recovery and Associates. I nolonger have an Attorney repersenting me. At this point they are willfully vilolating my consumer rights. I spoke with the on the phone ( I notified them that I was recording to call ) and sent my former Attorney emailed XXXX and XXXX doucuments informing them of that.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A