Date Received: 2023-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2023 a loan officer conferenced in an employee from your company regarding my disputed claim about a delinquent account reported to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). That was the first and only contact I have had with your company ; although your employee alleged someone spoke to your company the day prior XX/XX/2023. At this time I respectfully request your company to remove all and any defamatory information from the credit bureaus as it is invalidated and unbeknownst to myself. It was only reported as of XX/XX/2023 with no prior contact therefore I can not be delinquent on any such alleged debt as I have not contracted with Portfolio Recovery Associates and no notice or payment requests have been received.
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have already spoken to debt company this information does not belongs to me the social security under this account does not belong to me and this account is still fraudulently being reported to XXXX and Ive been going back and forth between XXXX and Portfolio Recovery account starting or ending with XXXX about this matter and this being illegally reported to under my social security number
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery Associates LLC Violations of my rights as a furnisher. Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. First Acct # XXXX Date of last active XXXX has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. Second Acct # XXXX date of last active as XXXX has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTION MADE BY ME.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Sued and garnished for over {$6000.00} by portfolio recovery associates. I believe used illegal collection tactics. Without legal notifications. I have court XX/XX/2023 with this collection company. Look forward to disputing the claims in court. No surprise that this company is currently under investigation. Typical behavior from a company that will do almost anything for the almighty dollar. Hope this company is investigated thoroughly.
Company Response:
State: VA
Zip: 24401
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date of XX/XX/2021 Portifolio Recovery Associates, opened a collection. Account # XXXX. Amount owed {$470.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. Thank You. XXXX XXXX
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have paid my debt and other debts were the result of identity theft
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I faced some financial difficulties after going through a very traumatic divorce. Due to exigent circumstances, I had to stop paying my XXXX XXXX XXXX and XXXX XXXX XXXX, both owned by XXXX XXXX. Portfolio Recovery not only sent me numerous letters but harassed me via telephone calls daily trying to collect on the debt including calling during my work hours and on both my cell and work numbers. If I was available, I would answer their call. I also contacted Portfolio Recovery on numerous occasions ( some dates I documented and some I didn't ), explained my situation, and offered to settle the debt for what I was able to afford. My offers were declined every time even though I explained that I had taken a loan from my retirement account to pay what I could afford of the XXXX balances. XXXX XXXX XXXX had already gone bankrupt but Portfolio Recovery would not entertain my offers. I was so desperate that I contacted attorney XXXX XXXX to file for bankruptcy. At the XXXX XXXX XXXX XXXX and XXXX were the only XXXX collections I had not been able to settle. XXXX XXXX counseled me to try to avoid bankruptcy and offered to send them letters to try to resolve the XXXX balances but Portfolio Recovery completely ignored. They reported both collections to the credit bureaus and that has affected my credit negatively. As a single mom, I am trying to rebuild my credit but due to Portfolio Recovery 's actions, I have been unable to bring up my credit score. I have been denied credit on several occasions because of that. I hereby request Portfolio Recovery removes the XXXX collections from my credit report as I have made continuous good-faith efforts to settle these debts and they have refused. I have attached Portfolio Recovery Collection Letters and Attorney XXXX XXXX 's Letters to Portfolio Recovery. XXXX debt amount {$4700.00} - offered {$1500.00} XXXX XXXX XXXX debt amount {$2300.00} - offered {$750.00}
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/18 I call them to find out why keep calling my phone number XXXX days from different phone number across the country. I was told the computer selection of days.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A