Date Received: 2022-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have wrote the company to let them know this debt does not belong to me it may belong to someone else. Me and my father in past has had each other accounts on our credit report. I have reach to all companies and ask them to fix it Please assist me. 1 ) XXXXP XXXX Collection/Chargeoff Last payment- ONLY SHOWING ON XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX Collection/Chargeoff AMOUNT $ XXXX REPORTING TO XXXX AND XXXX XXXX ) PORTFOLIO RC XXXX XXXX AMOUNT XXXX -REPORTING TO XXXX AND XXXX XXXX ) XXXX XXXXXXXX XXXX CXXXX XXXX XXXX HIPPA LAW DO NOT BELONG TO ME AMOUNT XXXX XXXX RECO XXXX Collection/Chargeoff AMOUNT {$1100.00} MEDICAL HIPPA LAW DO NOT BELONG TO ME Collections XXXX ) XXXX XXXX XXXX $ XXXX XXXX SHOWING ON MY XXXX REPORT
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been reporting an alleged debt to my credit report. I do not know this company and have never done business with them, they could be anyone trying to get money out of me. I've never done business with them and they don't have a contract with my signature. I've asked them to please provide the following information within XXXX days and they have not done so : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I had contacted portfolio recovery trying to negotiate a debt from XXXX of 2016 with XXXX XXXX I spoke with XXXX XXXX and also a XXXX who claimed to be a supervisor both were extremely rude would not allow me to talk and very just overall unhelpful and extremely rude I was trying to settle the vet and they were not cooperative
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am not legally responsible for this account, the creditor offered Covid assistance as part of the CARES ACT 2020. The creditor told me they would offer a repayment plan, and instead sent the account to collections. This is negatively affecting my credit report and needs to be removed immediately.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Portfolio recovery associates SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. What they did do what update the address on file to my actual address from the fake one they had after I contacted them. This is a direct violation of the law and they engaging in illegal practices. They have my DOB listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. I was a MINOR and its illegal.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. XXXX XXXX then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by Portfolio Recovery Debt Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge XXXX eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.
Company Response:
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A