Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, 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: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Told them not to call me about this debt with XXXX XXXX. I would like to know the status of account and time barrier status. I would a letter on company letterhead regards to this and upload document here.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I opened a XXXX XXXXXXXX secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with XXXX XXXX but they charged off my account instead without refunding me my deposit. Portfolio recovery associates bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a federally protected consumer as defined by 15 USC 1692a ( 3 ). PORTFOLIO RECOVERY ASSOCIATES , LLC ( hereinafter PRA ) is a debt collector as defined by 15 USC 1692a ( 6 ). I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO PRA AND I DO NOT CONSENT TO CONTRACT. PRA communicated with me in an attempt to collect an alleged via USPS without my consent. On XX/XX/2022 I received this communication dated XX/XX/2022 labeled EXHIBIT A. I responded to the harassing communication with a PROOF OF MAILING, DEBT VALIDATION NOTICE, CEASE AND DESIST NOTICE, BILL OF PARTICULARS, and EXHIBIT A. All of which were certified mailed with a green receipt on XX/XX/2022 and received on XX/XX/2022. The green receipts have not been returned to me yet but I have proof of delivery via certified tracking # : XXXX XXXX XXXX XXXX XXXX. PRA had 5 days from receipt to proof for me to see that validates their alleged claim in which they failed to do so. I am in receipt of a letter on XX/XX/2022 dated XX/XX/2022 which is 11 days past deadline. The communication labeled as EXHIBIT B did not validate this alleged debt as it did not provide proof requested thus continuing to harass me about an alleged debt not owed and failing to comply with cease and desist. The communication failed to reference deletion of my information and inclusion of a check in US funds for the amount of {$5000.00} for violations of 15 USC 1692k. As a debt collector, PRA must comply with the following provisions and failed to do so and is in violation of 15 USC 1692k : 1. 15 USC 1692c ( a ) - PRA communicated with me without me giving direct consent to do so 2. 15 USC 1692e ( 2 ) ( A )- PRA uses false character amounts as I am unable to pay on a positive balance. 3. 15 USC 1692j ( a ) - PRA furnished a deceptive form via USPS to deceive me into believing I owed an alleged debt 4. 15 USC 1692e ( 10 ) - PRA used a deceptive letter in an attempt to collect an alleged debt 5. 15 USC 1692e ( 8 ) - PRA threatened to report information about an alleged debt known to be false to the consumer reporting agencies, credit bureaus as PRA refers to them which is also false and misleading. PRA continues to violate 15 USC 1692k by failing to comply with the following provisions : 1. 15 USC 1692c ( c ) - letter received is harassing and breaches cease desist by failing to validate this alleged debt nor grant remedy requested 2. 15 USC 1692e ( 10 ) - ( a ) PRA refers to themselves as a creditor which is false and misleading because I have never done business with PRA. ( b ) PRA admits to being in possession of a file with my personal information in which they do not have my consent. PRA is in violation of 15 USC 1692k for individual actions and causing stress and mental anguish resulting in medication. As a federally protected consumer should I have to invoke my consumer rights and hold PRA civilly liable for violations of 15 USC 1692k, the UNITED STATES DISTRICT FOR THE XXXX XXXX COURT OF GEORGIA XXXX DIVISION is a competent court that holds jurisdiction given that these are federal laws and is correct venue because my place of abode is in XXXX XXXX in XXXX, GA.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date, XX/XX/2016 company opened a collection. Account # XXXX {$400.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX
Company Response:
State: IL
Zip: 61008
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date, XX/XX/2017 company opened a collection. Account # XXXX {$380.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 61008
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft Fraudulent account
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My actual issue is with two debt buyers who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned accounts be removed from all three of the credit bureaus. XXXX XXXX Account # XXXX Portfolio Recovery Account # XXXX and XXXX
Company Response:
State: MI
Zip: 49015
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Its been years that I have been going back and forth with portfolio recovery over this account. They are damaging my credit file and its been hard for me to obtain credit because of this account. This time I am exercising my federal rights as a consumer. The documents enclosed will show proof that this company been in violation. 1. They are violating my privacy according to 5 USC 552a. 2. I marked up where they state that I owed the debt, they are in violation of 15 USC 1692b ( 2 ) 3. They use their LOGO that I highlighted they are in violation of 15 USC1692 ( 5 ) 4. violated 15 USC 1692f ; Unfair practices attempting to collect an ALLEGED debt 5. violated 15 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 6. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt )
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A