Date Received: 2023-07-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio Recovery Associates was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Portfolio Recovery Associates has not rebutted the affidavit nor have Portfolio Recovery Associates sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Portfolio Recovery prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Portfolio Recovery Associates violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was sent a letter of notification that a debt of mine was being collected on in the amount of {$460.00}. I have no knowledge of this debt but have received numerous calls from Portfolio Recovery Associates , LLC.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery continues to harass me by calling me several times every single day.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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 bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over 7 years old. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the 7 years. I would like these accounts removed please. It's been past 7 years and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX Account # XXXX {$3700.00} Fraudulent charge Portfolio recovery, XX/XX/2020, and the amount of {$1700.00} fraudulent charge
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Ive been approached by Portfolio Recovery Assoiciates, LLC multiple times regarding 4 debt collection accounts that all pass the statue of limitations and expired. They keep reaching out to me to collect the debt. I have been sending letter and disputing it with XXXX XXXX XXXX XXXX to get it removed on my credit report but nothing. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXamount {$570.00} collection.My report include accounts with a reported name that is different that mine.I dont recognize the account in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account close its over 7 years
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A