Date Received: 2023-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES LLC To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, XXXX XXXX
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX. I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX and that they believe I owe a balance of {$590.00}. However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account. I believe that this debt has been erroneously assigned to me. I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them. I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies. You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all. I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I went to file my 2020 taxes and it was already filled fraudulently. I reported all information to the irs and now Im following up with your business per IRS. I have disputed all collections that I have no knowledge of.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( 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 consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DUE TO MY SOCIAL SECURITY NUMBER IS WRONG, YOU ARE REPORTING OF MY LAST XXXX ( XXXX ) AND THE CORRECT LAST FOR OF MY SSN IS ( XXXX ) The following account was not made by me : XXXX. XXXX XXXX XXXX, OPEN XXXX, DATE REPORTED- XX/XX/XXXX, CREDIT LIMIT- {$670.00}, BAL {$530.00} ( CLOSED ) UNIVERIFIED XXXX. XXXX XXXX XXXX, OPEN- XX/XX/XXXX, DATE REPORTED XXXX/XXXX/XXXX, CREDIT LIMIT {$1300.00}, BAL {$540.00}, available- $ XXXX ( CLOSED ) - UNVERIFIED XXXX. XXXX ACCT XXXX, OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, CREDIT LIMIT {$0.00}, BAL {$910.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX ACCT : XXXX, OPEN XX/XX/XXXX, DATE REPORTED XXXX, CREDIT LIMIT {$1000.00}, BAL {$1300.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, XXXX {$900.00} ( COLLECTION ) AND ( CLOSED ) -UNVERIFIED XXXX. XXXX XXXX : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$530.00}, BAL {$0.00} ( XXXX AGREED ) ( CLOSED ) UNVERIFIED XXXX. XXXX ACCT : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$68.00}, BALXXXX ( PAID AND CLOSED ) UNIVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/2020 I asked Portfolio Recovery to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/2020 I asked XXXX XXXX to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent them a letter on XX/XX/2022 requesting verification and received no response. I believe they don't have the legal right to collect this debt or own the debt. They also did not show me any information from whom they are collection from or any documents with my signature on them. They threaten potential legal action without offering to provide all required document. I believe they are trying to collect on unsubstantiated debt and collecting on debt without providing required documentation and disclosures to me. I also believe Portfolio Recovery Associates failed to properly investigate and resolve my dispute. They also reported it on my credit report and I want it fixed and removed. I have included the letters I sent them.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I filed for bankruptcy 2 years ago Portfolio Recovery Associates are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO VIOLATE CONSUMER RIGHTS AND CAUSING EXTREME HARDSHIP TO CONSUMER REPORT BY REPORTING ILLEGAL AND UNAUTHORIZED CONSUMER IDENTITY INFO. PRA WAS GIVEN NOTICE OF DISPUTE, DEFAULT AND OPP TO CURE WITH INVOICE FOR COMPENSATION DAMAGES DUE TO VIOLATION OF FCRA, PA, FDCPA, ROSENTHAL ACT AND USING FEAR, DECEPTIVE AND MISLEADING BILLING TACTICS ON ALLEGED DEBT. CONSUMER ALSO CLAIM SECURITIES FRAUD IN USING MY PRIVATE INFORMATION TO RUN SECURITIES. CONSUMER HAS NOT GIVEN WRITTEN AUTHORIZATION TO OBTAIN PRIVATE IDENTITY INFORMATION. PRA FAIL TO SHOW PROOF OF CLAIM WITH A VALID SIGNATURE OFTHE CONSUMER TO PAY ALLEGED DEBT. CONSUMER DEMANDED DOCUMENTARY EVIDENCE OF PERFECTED LIENS, AGREEMENTS, CONTRACTS, PROMISSORY NOTES, OR ANY OTHER DOCUMENTARY EVIDENT TO SUPPORT PRA 'S CLAIM AND CONSUMERS AGREEMENT. CONSUMER SEEKS {$6000.00} IN DAMAGES. CONSUMER DEMANDED PRA TO CEASE AND DESISTS ALL COMMUNICATIONS INCLUDING CONSUMER REPORTING.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A