Date Received: 2021-12-30
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent my correspondence to Portfolio Recovery Associates, LLC on XX/XX/2021 in regards to the collection account they are reporting to XXXX and XXXX. Pursuant 15 USC 1692e ( 11 ), a debt collector can not omit that they are attempting to collect a debt. In one of the exhibits provided, it clearly states that Portfolio Recovery Associates, LLC is not attempting to collect a debt, which is against Federal Law. The consumer must be informed of the reason for the initial communication and if this was not an attempt to collect a debt, Portfolio Recovery Associates, LLC would not be reporting this as a collection account to the consumer reporting agencies. Portfolio Recovery Associates, LLC has received all documents and supporting evidence of this dispute through U.S. mail on XX/XX/2021.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent Portfolio Recovery Associates LLC three certified letters ( XX/XX/XXXX and XXXX, XX/XX/XXXX, all in 2021 ) to request them to validate these debts as they belong to my father who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accountsare mine but they have either send inadequate information or ignored my letters.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The person stated that the name is XXXX for Portfolio Recovery. However, the phone number does not bring about a name on my CallerID ; therefore, this number can easily be spoofed. XXXX claimed the the phone number and name of company was legit and wanted me to verify information without proof of who they were.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC bal. $ XXXXI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im being charged for a credit card I never had!!
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Upon a first notice from Portfolio Recovery I immediately sent a letter disputing the validity of the debt asking for proof within 30 days of the notice which is my right under the FDCPA. The company did not sent any further information to me and continued to ask me to pay for this proposed debt. I followed up with 3 other letters and 2 emails to them and this started back in XX/XX/2021. XX/XX/2021 they reported that this was bad debt on my credit bureau stating DISPUTED RESOLVED- CUSTOMER DISAGREES. This statement is false and disparaging and is highly suggestive that I was in receipt of the proof this was my account. I called the company again today and I was not able to get anyone to resolve this and I need help as they are in violation and I have proof of all my correspondence to them asking for proof and they in turn did not send anything but dunning notices. See attached all my letters sent back to them and not including emails to them since XX/XX/2021.
Company Response:
State: PA
Zip: 17402
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named Portfolio Recovery Associates and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.
Company Response:
State: TX
Zip: 77503
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing Portfolio Recovery Associates, LLC. During the process I discovered an account was opened that was due to fraud. Portfolio did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.
Company Response:
State: MI
Zip: 49506
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A