Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.
Company Response:
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
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: My credit score decreased by 100 points for a debt thats not mine on XX/XX/2022 then later that day it decreased another 20 points for no reason at all by XXXX
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Today at XXXX XXXX, Yesterday at XXXX XXXX Every day. yet another phone call about a debt collection. The company is Portfolio Recovery XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit
Company Response:
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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 CopyXXXX XXXX Attorney General and FTC
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: AL
Zip: 35802
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company. On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have no knowledge of these collection accounts and I didnt authorize nor sign any documents and its messing my credit report up and I cant get approved for credit I have a great payment history never late and I ask it be removed per fair credit act the dates arent recognizable and the amounts dont match up to anything I would apply for please show me proof with my signature on or please remove off my credit report either show proof or I would contact my attorney and file a lawsuit against you for false information on my credit report I take no responsibility for any of these collections account on my report
Company Response:
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A