Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent letters on XX/XX/21 and XX/XX/21, and have received no response providing validation. I would like the account removed from all XXXX credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed ; It has been well over 30 days.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
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 Copy, XXXX, Attorney General and FTC
Company Response:
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
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 Copy, XXXX, Attorney General and FTC
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XX/XX/2019 Portfolio Recovery Associates has been violating my rights by reporting an inaccuracy for the past 27 months on three different credit reports. I have attached all for reference. These NUMEROUS violations include but are not limited to 15 USC 1692A ; 15USC 1692J ; 15 USC 1681 A4 ; 15 USC 1681a2 ; 15 USC 1681A ( 2 ) ( a ) ( i ) ; Title 31 USC 3123. Per Federal Law I would like my compensation for each violation and the damages that were caused by this reporting to my credit report. Not only was PRA reporting the incident but the Big Three XXXX XXXX have been reporting the inaccuracy and claiming its been verified for multiple years now. Its time they are all brought to justice.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Despite XXXX XXXX clearing me of the debt, and stating they asked credit bureaus to seize all reporting, Portfolio recovery still negatively impacts my credit report, and harassing me for the debt I never owed in first place. Their dispute tactics is horrible, After they requested all the evidence which i sent they lie and claim I've never sent anything so I'm gon na attach it to this report, So it's clearly sent.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This Portfolio recovery account popped up on my credit report one day. I dont know this company and I have never done business with this company. They constantly change the account and move it around to start the dates over. As a business owner this a a problem to me because I do not know these people and they refuse to stop segregating my credit report.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I mail and e-mail Portfolio Recovery Associates, Ask about the debt. Asking the validation debt, I use a validation letter. With my info of the name of the company trying to collect from. The amount and the date of debt are wrong. Ask a few times for info. I got nothing in return. Even after I sent a letter not to call still been getting calls from them. my full name is XXXX XXXX crumbles correct address XXXX XXXX XXXX XXXX XXXX tx XXXX snn XXXX
Company Response:
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On or about XX/XX/2022 I received several letters from local attorneys notifying me that Portfolio Recovery Associates LLC was going to sue me in court over a debt of {$6300.00}. I have never been contacted by Portfolio Recovery Associates LLC either by mail or by phone about this debt. I have no idea what this debt is as I have no unpaid debts of this amount. I have never been provided any proof of the validity of this debt. This is obviously a case of identity theft that Portfolio Recovery Associates LLC is a partner to. If Portfolio Recovery Associates LLC is claiming that this is a valid debt, I would like to see a copy of my application/agreement relating to this alleged debt clearly showing my legal and verifiable signature agreeing to the terms and accepting the agreement. I am confident that Portfolio Recovery Associates LLC will be unable to provide that or any other proof to me that this is a valid debt.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A