Date Received: 2023-11-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter from a law firm stating they found out I was being sued by a credit collection company I wasn't even aware of it, I contacted this company and I asked them why I was being sued when I had an active dispute and had not received an documents pertaining to this debt they said they can do whatever they want, I demand the documents again and asked them to withdraw this suit pending outcome of this debt he said it was up to the legal department but he doubted it. This was a company called portfolio recovery
Company Response:
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had ( 2 ) XXXX XXXXXXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to Portfolio Recovery Associates. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above. Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This issue was resolved almost a year ago and here I am again being harassed by Portfolio recovery. They are again attacking my credit with debt that is not mine and I feel they should be suede for harassment.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Portfolio Recovery Associates LLC ( PRA ) has taken negative action against me by reporting false information to credit bureaus. PRA reports monthly terms of collection. This intentional deceit is to damage my credit. They have done so since XXXX and continue to do so in XXXX. As evidence, the first attachment Ive included is a PDF I saved from my credit report titled " XXXX Credit Report, PRA pages only. '' The area I draw attention to is " Terms 1 Month. '' Additionally, the Payment History section of the credit report validates the timeframe I specified above, XXXX. Its also important to note that according to XXXX, Terms in the credit report are defined as follows : The agreed upon amount of time to pay back the money borrowed. Ive included an attachment confirming this. To be clear, I do not have a monthly arrangement with PRA. I have never had a monthly arrangement with them. However, the arrangement I do have with PRA is an income tax refund/credit garnishment. I've included an attachment of the Request and Writ for Garnishment issued on XX/XX/XXXX as proof. Since income tax is refunded yearly, not monthly, its impossible for me to have monthly garnishment terms with PRA. Therefore, I can not have an agreement for monthly collections as PRA is reporting to credit bureaus. In summary, PRA reported and continues to report fabricated information to credit bureaus to damage my credit. This is unacceptable and requires correction. I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
Company Response:
State: MI
Zip: 48708
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i disputed the account XXXX XXXX XXXX account number XXXX back in XXXX it was removed With report number XXXX on XXXX XXXX and it was reinserted onto my account late XXXX i disputed the account again and it came back verified i was not notified about the reinsertion within XXXX days of it reappearing violating my consumer rights via 15 U.S Code 1681i ( 5 ) ii i have been looking for a house and this account has damaged my report rendering me of being accepted i need this account removed immediately i attached my attorney general complaint and the reinsertion letter i sent to XXXX please help me
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received notice from IRS CP2000 of taxes due on Cancellation of Debt. Today, XX/XX/XXXX, I contacted Portfolio Recovery Associates LLC to discuss a {$15000.00} Cancellation of debt that is noted on the CP2000 form. Information obtained from Portfolio Recovery Associates noted that the debt was a " XXXX XXXX '' from XXXX XXXX for a cosmetic procedure performed on XX/XX/XXXX at XXXX XXXX and XXXX in XXXX XXXX Michigan. It was also noted that the address listed for me at that time was XXXX XXXX XXXX IL. I have never had XXXX XXXX. I have never been to Michigan. I have visited XXXX once in XXXX. I have never lived in any other state other than North Carolina. I have lived at my current address in North Carolina since XXXX. I have never signed for another individual for any XXXX XXXX. I have been employed by the same company as a XXXX XXXX since XX/XX/XXXX. The ACCOUNT # for reference is XXXX. I ran a credit report and noted that there are 2 addresses on this report that I have NEVER lived at ; and both of those addresses are from the state of Illinois.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt with XXXX is from back in XXXX and has not been active since. The debt is now with a collection company Portfolio Recovery Services and I do not owe them this debt. ALSO, the statute of limitations on Collecting a Debt in the state of Pennsylvania is only 4 years. Can you please look into the account history and have it removed ASAP as it is negatively impacting my score and according to the Fair Credit Reporting Act, this debt should no longer be negatively impacting my score. Thanks for your help in this urgent matter. Sincerely
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is an account being reported under my name inaccurately and is misinformation given to the credit reporting bureaus by the debt collection company, Portfolio Recovery Associates. This item has previously been deleted from my credit report but they have just started reported it again after going back and forth multiple times with the credi reporting bureaus as well as the creditor, Portfolio Recovery Associates. I have explained to them that if they can not provide me with validation of this debt to prove it is mine, then the must have it deleted from my credit report. This specific account, which is listed below, had been deleted for months now until they decided to report it again unlawfully. PORTFOLIO RECOV ASSOC XXXX {$1200.00} XX/XX/2023 2023
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this message finds you well. I am writing to inform you that on XX/XX/2023. I disputed an item on my credit report regarding a debt that was reported by Portfolio. I patiently waited for a response from your office regarding this matter. In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Portfolio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance.
Company Response:
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am filing for bankruptcy and Portfolio Recovery continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A