Date Received: 2022-02-08
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: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation requested. This NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-names Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will request at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants PORTFOLIO RECOVERY ASSOC. the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC, in case legal action becomes necessary :
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
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: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been getting contacted about having a debt from a Portfolio Recovery Associates of {$8800.00} which was opened on XXXX of 2018, which I had know knowledge of and have had to replace my credentials quite a few times between the years. I would dispute the collections account that was on my report, but to no avail, it has remained. I was always told that XXXX XXXX is not the best way to look at things on your credit report so I decided to invest in XXXX to see if it can give me further details on this account. Sure enough I got the description that this was a joint account with a former spouse of mine XXXX XXXX XXXX, then it all made sense. My ex would hint to utilizing me as a co signer on things he wanted to get, either cards or cars. We tried for some cars a few times, on his devices, so he had access to my sensitive information. We had a bad falling out when I told him I need to build my credit before trying to use it, so he used my information without my knowledge.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXXXXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00}
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The representative agreed to delete debt and has asked to send direct dispute. Debt has been removed and re-entered multiple times over and over again.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
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: Please be apprised that Portfolio Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Portfolio Recovery/ XXXX XXXX proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX & XXXX & both bureaus are reporting false information on my credit report. You are in violation continuing to report. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time * In this complaint accompanies proof of the CRA 's reporting the wrong date opened. Why does date opened state XX/XX/XXXX if Portfolio Recovery/ XXXX XXXX just openly admitted that the account was opened in XXXX of XXXX. This is a major violation and if you continue to report inaccurate information I will for sure sue all 3 businesses. This is Portfolio Recovery response- Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$1500.00} was due on the account at the time of PRA 's purchase.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
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. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A