Date Received: 2022-03-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022 PRA did a soft credit check on XXXX. I want to know why they checking my credit? is this for the same account? I only have one account.
Company Response:
State: SC
Zip: 29201
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per my last complaint against PORTFOLIO RECOVERY ASSOCIATES LLC that was closed unresolved, I am a federally protected consumer currently being harassed by PORTFOLIO RECOVERY ASSOCIATES LLC. I have already sent off a cease and desist in addition to a debt validation request to which both have failed to be properly honored. PORTFOLIO RECOVERY ASSOCIATES LLC has admitted to the CFPB that they purchased MY personal information ( which has a lawful copyright attached to it and held in a private trust ) from a company for the sole purpose of extorting me as a consumer and committing mail fraud. This is illegal and unlawful under federal law. Because of this, proper documentary evidence of the original contract between myself as a consumer and PORTFOLIO RECOVERY ASSOCIATES LLC can never be properly provided because it does not exist. ( Reference 18 U.S. Code Chapter 96 : XXXX XXXX AND CORRUPT ORGANIZATIONS ) If my consumer request to remove all defaming and negative remarks off of all of my personal consumer reports is denied, I will be seeking relief via litigation. A process which could lead to several hundred thousands of dollars for all damages as well as criminal penalties against the members of this corporation. I will also be reporting this company to the Attorney General of Virginia to make them aware of their deceptive business practices. I am a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred. According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX ( XXXX ). I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address. I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX. In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web. I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts. On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed. The XXXX account, associated with my current address and email, does not indicate an outstanding balance. I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity. My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account. According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX A company I never heard of is reporting that I owe a debt onXX/XX/XXXX. I believe it to be a fraudulent account and I would like it removed from my credit report please. On XX/XX/2022 i tried to dispute the account. Without reason it was not removed. I have upload a screenshot of the account on my credit report.
Company Response:
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted the credit bureau and they claim the debt is mine. but when I contacted the company I asked for paperwork proving the account is mine and I authorized. The collection company could not send the paper work and I am reporting Portfolio Recovery XXXX account is fraud and Identity theft.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a Dept Balance of XXXX from Portfolio Recovery Associates , LLC. The Dept was charged by XXXX XXXX XXXX. The purchases were made outside of the state I live in & I have never had a XXXX XXXX Bank account. Please help resolve this issue. Best, XXXX
Company Response:
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A