Date Received: 2022-02-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX XXXX, XXXX and XXXX failed to produce an investigative report on PORTFOLIO RECOVERY ASSOCIATES accounts posted to my consumer report. It is a violation of my consumer credit rights on a debt I have never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of XXXX and XXXX to the taxpayer by XX/XX/XXXX of the following year. XXXX XXXX ( the original creditor ) used my social security number to file IRS form XXXX to report XXXX XXXX XXXX without my authorization. This account has been reporting on my consumer report since XXXX of XXXX. This is far more than enough time to produce sufficient evidence of filing correct IRS forms because true documentary evidence is not in statements by the original creditor nor is it a credit card agreement. XXXX XXXX XXXX XXXX Colorado, XXXX XXXX. XXXX XXXX XXXX # XXXX file no. XXXX Portfolio Recovery Associates Inc, Plaintiff, dismissed the case against Defendant, XXXX XXXX in XX/XX/XXXX after defendant answeres the complaint
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has repeatedly called on different numbers at obscure times almost everyday, whether early in the morning before XXXX or later at night but they are relentless even though I am already paying them back on a regular monthly basis! My debt isnt even a big amount but again, they continue to harass me and NEVER leave a message stating their business if I ever miss their calls.
Company Response:
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio recovery calls me about 10 times A-day from different numbers. Every time I tell them the item has been deleted and they still blow my phone up
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent correspondence about the debt that I allegedly owed. I ask for information to validate the this debt was mines which I never received EVERYTHING REQUESTED in the letter attached.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I would like assistance with two debts that are being falsely reported by Portfolio Recovery Assoc. I believe these debts to be 8-10 years old. They purchased 2 debts of mine... one from XXXX XXXX and the other from XXXX. These two debts have both been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to Portfolio Recovery Assoc. and the credit reporting agencies, to date this has not been resolved. I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. If I am incorrect I will do the right thing but not one company will step up or provide any documentation.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the result of identity thief about 8-9 years ago and this debt collector refuses to listen to anything that I am saying. They keep sending bills of statements I have no knowledge of. My identity was stolen and it took many years to correct things. These account are fraud. This company has harassed me for the last 6 years. I got this company removed from a few bureaus but on XXXX they wont remove it. I am a victim and I refuse to pay for someone elses wrong doing.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have returned their calls several times and asked them not to call me, It is not my debt, They would not give me an answer of who they are looking for..
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I mailed a debt validation letter on XX/XX/XXXX to Portfolio. Listed were 2 accounts Re : Original : XXXX XXXX XXXX XXXX Balance : {$3400.00} Opened : XX/XX/XXXX Re : Original : XXXX XXXX XXXX Balance : {$1600.00} Opened : XX/XX/XXXX I asked for the following : o Proof of my agreement to pay the original creditor ; o A copy of the final account statement issued by the original creditor ; o A breakdown of the total amount due, showing principal, interest and other charges ; and o For all other charges, the date of and basis for each charge. I failed to get a response back from Portfolio. On XX/XX/XXXX around noon, I call Portfolio Recovery Associates, and asked for the DVL to be mailed to me for the two accounts above and this account they had listed : Re : Original : XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX The representative said she was mailing the 3 accounts.. It has been 10 business days and they have not responded. If Portfolio does not have proof of the debt they must remove this information from my credit report.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A