Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: credit card has been paid in full. but it was just updated to my credit report and im not agreed to that because i didnt want that. what i would like is to be totally removed from my credit report thanks
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX XXXX and XXXX bank. I do not owe debts to either creditor. 1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Re : Second request of Validation for alleged debt of {$510.00} reported on my consumer report two times after insufficient proper validation under the FDCPA 15 USC 1692g I did not ask for an electronic summary, I am requesting the company Portfolio Recovery Associates to follow the federally protected laws that put in place to be followed. 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 is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named 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 XXXX major consumer report agencies ( 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 XXXX of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require 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 receipts, 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. Requested Information & Documents 1. Name and address of alleged creditor 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency 9. Was this debt assigned to a debt collector or purchased 10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants Portfolio Recovery Associates the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof of 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 or NO ( Circle one ) Have any judgements been obtained by any creditor regarding this account? Yes or NO ( Circle one ) Please provide the name and address of the bonding agent for Portfolio Recovery Associates, in case legal action becomes necessary : Authorized Signature of Creditor : ___________________________________________ Date : _________________________________________________________________ You must return tis completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not competed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practice Act. Please allow 30 days of processing after I receive this information.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery has used multiple numbers and calls multiple times a day. I have told them to stop calling. And still calls. Received a letter on XX/XX/2021 and calls everyday since then.
Company Response:
State: NC
Zip: 28607
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. 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 RC XXXX, PORTFOLIO RC XXXX )
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/22 I took a call at XXXX XXXX I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
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: XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day. In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal. XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included. XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results. XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates. XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Identity was stolen by a family member who was not a US citizen and is no longer in the US. He used my information during his visit and had my mail forward to another address. It lasted for 2 years ; I did not notice until my licenses never showed in the mail. I was never proactive when it came to my credit. I wasn't aware of how to monitor my credit like I am now.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I sent a letter to a collection company that is trying to collect an alleged debt of {$1400.00}. I request verification of the alleged debt pursuant to my rights under the FDCPA. I request a copy of a signed contract and I also request the cease and desist of all collection activities including credit reporting and to delete any and all reporting made to any consumer credit reporting agencies. They failed to address my very specific legal request and are in clear validation of the FDCPA. 1st, they failed to obtain and send me verification of the alleged debt by not mailing me a contract or an agreement with all parties involved. Instead they sent me a letter with " a summary of the information listed in the alleged file ''. This is not what I requested and under the FDCPA it is unfair or unconscionable that they attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating debt permitted by law. Also my personal information was released without my consent to a third party. 2nd, they failed to cease and desist and delete the credit reporting of the disputed alleged debt. Under the FDCPA, it is false, deceptive or misleading representation or means in correction with any debt to communicate to any person ( consumer credit reporting agencies ) credit information that is known, or which should be known to be false
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery was calling my phone number several times a day, every single day for months and the messages left on my voicemail were for a person that does not have this number. I do not have any details about the debt because it isn't my debt. XX/XX/XXXX I sent an email and mailed a letter to Portfolio Recovery requesting they stop calling my number for the debt of another person. I received a reply from Portfolio Recovery by email apologizing and saying the phone calls will stop. The phone calls stopped until tonight, I have received another phone call from Portfolio Recovery on XX/XX/XXXX.
Company Response:
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A