Date Received: 2022-03-22
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/2022 PORTFOLIO RECOVERY, a debt collection company, in an attempt to make contact me, impersonated the IRS ( on the caller id ). Please see attached screenshots
Company Response:
State: OH
Zip: 452XX
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: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery is a SCAM! I submitted a complaint outlining false reporting around the date a XXXX XXXX credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold Portfolio recovery responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
Company Response:
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
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: In late 2021 I noticed that Portfolio Recovery Associates was appearing on my credit report as a debtor however I did not recognize this company. Upon submitting a dispute they advised that they were acting on behalf of another company that I previously did business with.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have several accounts abused by identity XXXX of which are XXXX XXXX, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit report act .the following accounts have violated my rights. ! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) portfolio recov assoc account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
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: This is in regards to a previous complaint ( XXXX ) that was closed however the investigation and response are not satisfactory. To Whom It May Concern : This letter is being sent to you in response to the above-mentioned complaint number and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. I never received any notification of any alleged confirmations or Original notification of any balance due. Once I did see that this was reporting on my credit, I did dispute this ( as you have stated in your response ) because it is not to be reported on my credit. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. With all due respect, anybody can send me an old bill and say I owe them money. Please provide me with the following : * 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 : * Identify the original creditor : * Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : * Provide me with your license numbers and Registered Agent or Agent of Service : If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. Best Regards, XXXX
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a company called portfolio recovery that keeps claiming i owe them for a debt that i have never had. They have called and harrassed me at all times of day and night and when i have asked for proof of debt they were unable to provide this information. I have reported them to the XXXX XXXX XXXX and am I currently waiting on a response from their investigation however i dont believe they are doing an investigation.
Company Response:
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXXXXXX XXXX opened an account on a card that I paid off without my consent with a collection agency Portfolio Recovery and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A