Date Received: 2022-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: While I have originally reached out to Portfolio Recovery Associates, LLC., ( referred as PRA herein ) to resolve this complaint and issue, PRA has not responded to a notarized Affidavit of Truth, nor have they remedied the issue. On XX/XX/XXXX, I submitted a CFPB report where I have complied my cease and desist, debt validation, including the exhibits of violations, an affidavit of truth, and my desired remedies for this situation. Portfolio Recovery Assoc. is in violation of several codes of the FDCPA, FCRA, and TILA. On XX/XX/XXXX, PRA responded to my complaint- rendering the complaint closed. However, I was not notified through the mail nor received adequate response to the aforementioned documents. As this is a fraudulent transaction- I did not consent to conduct business with PRA or XXXX XXXX, nor did I consent to XXXX XXXX transferring my alleged personal information to PRA. I am requesting action to receive the remedies listed in my Cease and Desist to PRA. Below you will find the original complaint : " On XX/XX/XXXX, Portfolio Recovery Associates, LLC., sent me a notice of an alleged collection account from XXXX XXXXXXXX Bank in the amount of {$470.00}, by mail. This is a fraudulent account. I responded on XX/XX/XXXX, to Portfolio Recovery Associates, LLC., by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. On XX/XX/XXXX, Portfolio Recovery Associates, LLC., responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce. ''
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: have been trying to get a home and was denied a loan because of a serious delinquency I have never been late on a payment and always payed everything on time after checking my credit report I was shocked to see a balance to PRA for {$980.00}! After further investigation this was connected to a XXXX credit card I got and was stolen and charged without my knowledge. I disputed these charges with XXXXXXXX XXXX and they assured me it was taken care of this was obviously not the case so I disputed these with the XXXX XXXX and XXXX deleted it but XXXX and XXXX came back as verified I am asking to please delete these from my credit report as I am paying the price for someone else 's mistake so if you could please delete these I would really appreciate it.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
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: Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, XXXX is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the Portfolio Recovery Associates collection account on my profile. I've written XXXX on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by XXXX and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to Portfolio Recovery Associates on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested XXXX remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) PORTFOLIO RECOVERY ASSOCIATES LLC is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too portfolio recovery associates llc.. I informed portfolio recovery associates llc that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a XXXX debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against portfolio recovery associates llc
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An unauthorized account was opened in my name, maybe close to six years ago. XXXX XXXX bank originally opened up said account, which was unauthorized and unknown to me. However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus. I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me. However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank. Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt. How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer. Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt. My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings. This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached! This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery keeps calling my cell phone several times a day through the week. I have called them back and spoke to them about recently having a XXXX XXXX Bankruptcy Discharge. The person told me she could see it and said he would talk to her manager about taking me off the call list. That was about a month ago and I still get repeated phone calls several times a week and throughout the day. The debt was when I was around XXXX years of age and I am now XXXX years old. The statue of limitations in the State of Oregon where I am a resident is 6 years on collecting a debt. The company needs to cease and desist from contacting me once they receive this complaint.
Company Response:
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2021 Portfolio Recovery Associates added a collection from XXXX XXXX XXXX XXXX XXXX on my credit account for the amount of {$960.00} I don't know what this is and this doesn't belong to me, this account was not legally validated and I need them to delete this unverified and inaccurate account that is negatively hurting my credit report.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Recovery Portfolio calls me and my husband multiple times a day. I told them to only contact me by mail and they have yet to do so. They ask for my information but refuses to give me any information unless I identify myself. They give personal debt information to my husband. They call after XXXX
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX Portfolio Recovery Associates purchased my private information from XXXX XXXX Bank XXXX Portfolio Recovery is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both Portfolio Recovery and XXXX XXXX Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A