Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : Portfolio Recovery. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. The former company, XXXX XXXX, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. I am reporting Portfolio Recovery for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Porfolio Recovery, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Continuous calls, Do not identify before asking for personal information. Very disrespectful and refused to answer questions. This debt has been sold at least twice.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently signed up for to a credit monitoring service last year XXXX. I noticed a debt that was not mine. I disputed the debt through the credit monitoring service. The creditor mailed me a copy of a credit card bill that I had not signed up for from XX/XX/XXXX that it had been sold to another debt collector in addition to a letter from them dated XX/XX/XXXX stating that a copy of the previous bill from the previous creditor was proof of validity. So I responded on XX/XX/XXXX requesting proof of validity and specified I will need a signature as proof of validity and not simply the bill. I did not sign up for this card. In response they mail me another letter on XX/XX/XXXX with a copy of another letter saying that the debt was sold. Again, this is not what I requested in my first letter. I respond again on XX/XX/XXXX, stating I do not have responsibility for this debt and to send me proof of validity. They respond on XX/XX/XXXX completely ignoring my request for my signature where I signed up, and again send me copies of statements from the original creditors ( again not mine ). I specifically state that nothing they sent to me shows that I personally signed up for this card in my response letter dated XX/XX/XXXX. In response they send another letter on XX/XX/XXXX stating that the seller provided an electronic file of its business records containing information concerning the account and print a summary at the bottom of the page containing my name, last four of social, and date the account was opened XX/XX/XXXX. No where on the letter do they ever address my question that has been the theme in all of my letters. I respond to that letter on XX/XX/XXXX in the same fashion as my other letters. A day later I receive another letter with the same exact date XX/XX/XXXX as the previous stating that they have already responded. They state my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, that they will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1981s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act and that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved, they will consider my inquiry answered. No further replies will be forthcoming unless I provide the information they need to assist me and they consider this matter closed. None of the letters I have received from them ask me for any further information, so what exactly are they talking about? On the contrary the letters I have sent to them all ask the same question and they won't answer it, yet they send letters with no questions and send me one stating I didn't provide information for their question. They never answer the one question. I explain to them how this is effecting my credit report in a negative way and they do not simply read the letters asking for proof of validity with my signature. They then send me another letter dated XX/XX/XXXX I received yesterday XX/XX/XXXX ( all of their letters are dated yet I always receive them far from the date stated on the letter, I am only in the next city over ) stating that they requested additional information pertaining to the account ( they never specify what information ) They then state they can not complete the investigation, and since they have not received it they are terminating the dispute. Once reading this I log into my credit monitoring service, and the debt is still their with the remarks " dispute resolved ; customer disagrees '' I am pretty sure disagree and resolved would be considered an oxymoron. It wasn't resolved they never answered my question, and are closing the case based on the fact that I didn't answer questions in their letters that they never asked. In addition this is for a debt of {$440.00} that is not mine.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This debt when into default in XXXX and portfolio recovery brought it in XXXX so they reaged the debt date to ruin my credit and I can't buy home or car at XXXX credit score
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection Portfolio Recovery Associates has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with XXXX XXXX XXXX or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Portfolio recovery associates is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. The company has violated the following laws 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This company has no reason for trying to collect on a account that the company has collected as a tax right of
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
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 regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A