Date Received: 2021-12-16
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I recently got a call from XXXX XXXX XXXX saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX and now I owe XXXX thousand dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery is attempting to collect a credit card debt from a card that I used to have. The company is very aggressive with calling tactics. I have asked them before not to contact me by phone. For the last year I have received numerous phone calls throughout each day except for weekends. The phone numbers come up as an Iowa phone number but it is not always the same number. I do not believe that they are a scammer at all as they have contacted me via the mail. I've tried disputing the collection through credit karma two different times. Both times unsuccessful as the debt is valid. However I have not signed any contracts with portfolio recovery nor have I agreed to pay anything to them. That is because they are not my original creditor and I feel that I owe them nothing. I only owe XXXX XXXX as I had a contract with them.
Company Response:
State: IA
Zip: 523XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 2. Collection Account NumbeXXXX : XXXX 1. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original debtor deleted this from my credit history years ago when first disputed. This debt is TIME BARRED regardless. Portfolio recovery continues to report it and has damaged my credit irreparably for the past 5 to 6 years. Today I received another call even after Ive asked them to stop calling for the past year.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been going back and forth with XXXX XXXX representing Portfolio Recovery regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. She continues to intimidate me and threatened me with lawsuit. I want this matter resolved
Company Response:
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery is calling me from various numbers, every day. I block the numbers but they call the next day on a different number. Within this month so far I have gotten XXXX calls, I have no debt so I shouldn't be getting these calls
Company Response:
State: WA
Zip: 99212
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Daily phone call harassments from " Portfolio Recovery '' on my cell phone. I have never given them permission to call my cell number and I am registered on the do not call list. They never leave a message and call from a different number and location from all over the country every day typically at the exact same time in the afternoon. I have no outstanding debt on my credit report and have a credit score of XXXX. I do not owe anyone any money, have never received any written notification of debt in the mail. This is a robocalling scam and I want it to stop immediately. If they have a legitimate debt issue to resolve in my name- send me a letter and I will address it.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
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 The 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 RECOVERY & BAL. {$780.00} I 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 with 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 identity theft reports 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 1. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX Account XXXX : XXXX 1. XXXX XXXX XXXX BANK XXXX XXXX XXXX Account Number : XXXX
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
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: This company is not only trying to collect on a zombie debt but has been reporting incorrect information to the credit bureaus. This is a severe issue as it is causing me XXXX XXXX XXXX There are many errors being reported on my credit report by this account such as date of last activity, date opened, account status is reporting as open, payment status showing incorrect information.,
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A