Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have no knowledge of this account I am not liable for any debt with Portfolio Recovery Associates LLC Collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and in accurate information on my credit report which violates the FCRA
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2023 Portfolio Recovery call cell phone and didnt leave a message. From this number XXXX. On XX/XX/2023 Portfolio Recovery call again from a different number XX/XX/2023 again no message. They have been calling me for several weeks without leaving no message. On today they called my home phone and left a message about filling a judgment against me. I am a XXXX XXXX XXXX and receiving XXXX from the SSI. Portfolio Recovery Associates LLC are from the XXXX Co office.
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Previously disputed account through CFPB reference # XXXX account is reporting inaccurate on credit report stating and I have tried fixing this situation through bureaus and account continues to come back inaccurate. Results from CFPB complaint didnt solve the issue. Account continues inaccurate stating as XXXX acct. open by XXXX XXXX while closed by XXXX. XXXXMissing date on date verified by XXXX. XXXX is stating Open while derogatory and in collection all at the same time. This is impossible! Account has not been verified.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to XXXX XXXX XXXX XXXX : Treatment of inaccuracies/ unverifiable information. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Case law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ). Original Creditor : XXXX XXXX XXXX Account Number : XXXX It has been more than five years of this harassment and defamation of my character. According 18-49-101. Limitation of actions. ( 2 ) If the payments are not noted on the margin of the record, then the debt shall become barred, as to third parties, after five ( 5 ) years from the maturity of the indebtedness or after five ( 5 ) years from the date of the last payment, if any, which may be noted on the margin of the record, thereby subjecting evidences of indebtedness secured by vendor 's lien to the same provisions and limitations provided by law in connection with evidences of indebtedness secured by mortgages or deeds of trust. 17-24-505. Harassment or abuse. ( a ) A debt collector may not engage in a conduct the natural consequence of which is to harass, oppress, or abuse a person in connection with the collection of a debt. ( b ) Without limiting the general application of subsection ( a ) of this section, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person ; ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ; ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. 1681a ( f ) or 15 U.S.C. 1681b ( 3 ), as they existed on January 1, 2009 ; ( 4 ) The advertisement for sale of a debt to coerce payment of the debt; ( 5 ) Causing a telephone to ring or engaging a person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass a person at the called number; or ( 6 ) Except as provided in 17-24-503, the placement of telephone calls without meaningful disclosure of the caller 's identity. 17-24-511. Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish a form knowing that the form would be used to create the false belief in a consumer that a person other than the creditor of the consumer is participating in the collection of or in an attempt to collect a debt the consumer allegedly owes the creditor, when in fact the person is not participating in collecting or attempting to collect the debt. ( b ) A person who violates this section is liable to the same extent and in the same manner as a debt collector is liable under 17-24-512 for failure to comply with this subchapter.
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX I received XXXX calls today from XXXX at Portfolio Recovery Associates. XXXX stated that I had a payday loan in XXXX ( I filed bankruptcy in XXXX ) and that my wages would be garnished due to no payment. XXXX was VERY rude and threatening. Today was the very first time I had heard from them. Nothing has been sent in the mail. My attorney looked up the number and said that this was a spam call but I am XXXX XXXX XXXX and I do not need that kind of stress in my life. These people are unbelievable. XXXX XXXX The name was under XXXX XXXX. I was married in XXXX and changed the name to XXXX. Thank you
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After over a year of trying to dispute this I am at a loss. Portfolio recovery services still has fraud listed on my credit report. They have claimed to send me court documents which is wrong. No court documents were ever received with my name on them. I went to the court and explained all this. The court agreed. I have submitted fraud claims as Portfolio requested. Delivered the information as they requested. I want these items removed.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years. THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A