Date Received: 2023-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES , LLC I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Credit Card Issued : XX/XX/XXXX Credit Card # : XXXX Seller : XXXXXXXX XXXX XXXX Creditor to whom debt is owed : Portfolio Recovery Associates , LLC XXXX : {$1700.00} I was first contacted by Portfolio Recovery Associates , LLC in XXXX and they indicated they would take me to court or garnish my credit as i owed them money. I went ahead and made a {$300.00} payment and never heard back from them, they stated the amount at that time was a little over $ XXXX. On XX/XX/XXXX they sent me a letter stating I still owed them monies in the amount of {$1700.00} for a XXXX XXXX XXXX credit card ( XXXX ) issued in XX/XX/XXXX. I contacted their offices and reminded them they statue of limitations for the state of California is 4 years, and they had contacted me 8 years later in XXXX demanding payment with an ability to garnish my credit or sue me. My debts were also XXXX by the court in XXXX, CA in XXXX via XXXX XXXX XXXX I would like them to stop harassing me with calls and correspondence as this was already resolved via XXXX and also the state limitations for California. Thank you
Company Response:
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things. About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing. XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices. PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA LLC to provide FULL DISCLOSURE OF YOUR PROCESS. I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft. I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was left a pile of papers at my door saying I was being sued by Portfolio Recovery for {$730.00} on debt that was not mine. I signed nothing on behalf and was not aware of this company. I have to show up to court on XX/XX/ to fight this.
Company Response:
State: TN
Zip: 38464
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly. This is the SECOND ATTEMPT to get Portfolio Recovery Associates to follow procedures. ***Reminder : sending copies of a statement with a name on it does NOT constitute ownership. *** CFPB recently fined this company AGAIN for illicit collection practices, so it is evident my complaint is well-founded and based on established facts.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to XXXX. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES has posted an account on my credit report. Portfolio recovery associates is a debt purchaser. However Portfolio recovery services never notified me of my right to dispute the debt that they purchased from XXXX XXXX. In addition they claim that the Date of first delinquency was XXXX, 2016. THe original date of deliquency was XXXX 2016. with no payments or promises to pay being made after that,
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Portfolio recovery associates is reporting an account as a regular account however it is a collection account Portfolio recovery associates purchased this debt from XXXX XXXX Upon XXXX this debt they began reporting it to the credit buraus as collectable however Portfolio Recovery Associates never notified me that they purchased the debt. Portfolio recovery associates also never notified me of my right to dispute this debt. in addition Portfolio REcovery Associates is reporting the date of first delinquency as XX/XX/ when in fact the date f first delinquency was XX/XX/XXXXwith no payments or promises to pay being made after that.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A