Date Received: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Date : XX/XX/XXXX ATTENTION : XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX PRAA Group commission file number : XXXX IRS : XXXX Attention : XXXX XXXX XXXX XXXX Bank , as Trustee Corporate Trust Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : PORTFOLIO RECOVERY ASSOCIATES , LLC Account Number # : XXXX Amount : {$640.00} I am writing to dispute an entry in my consumer report concerning an initial notification letter from PORTFOLIO RECOVERY ASSOCIATES , LLC, dated XX/XX/XXXX. The initial notification letter was sent to a non-mailable address, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer reports XXXX, XXXX, and XXXX, XXXX. ( see enclosed ). Per section 623 ( a ) ( 7 ) requires your company to notify me in writing within 30 days of reporting and your company is currently in violation of this FCRA law. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. I am making this complaint against Portfolio Recovery Associate, LLC and original creditor XXXX XXXX XXXX for admitting to violating my federally protected rights on numerous occasions and admitting to participating in identity theft, and securities fraud as XXXX XXXX Bank has FAILED to protect me from my personal identifying information being shared in exchanged for money. I have never given my personal identifying information to Portfolio Recovery Associates , LLC and I now revoke any written, non-written, verbal, non-verbal authorization or agreement I may have given XXXX XXXX XXXX to share, transfer, or sell to Portfolio Recovery Associates , LLC. Being Portfolio Recovery Associates , LLC has my personal information that is in fact identity theft. I will file litigation for identity theft for actual damages caused by Portfolio Recovery Associates , LLC. They will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX, extortion, aggravated identity theft, securities fraud and mail fraud. I have attached a civil lawsuit cover letter, and FTC report for identity theft. I am willing to settle this matter outside of court. However, if you continue to violate my federally protected consumer rights then I must go forth with litigation proceedings. I am also attaching documentation as evidence of your violations Exhibit A consumer report, Exhibit B Non-Mailable Address, Exhibit C : FTC Identity Theft Report and Securities Fraud. Enclosed : Civil Cover Letter, FTC Report Identity Theft and Securities Fraud, Exhibits A-C. Regard, XXXX XXXX XXXX, XXXX Reference : 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to XXXX XXXX I owe almost XXXX $ on a XXXX XXXX card from XXXX XXXX. They said the date was from XXXX and i XXXX XXXX XXXX XXXXXXXX from XXXX Then XXXX XXXX changed the date to XXXX. When i left America in XXXXXXXX- i had paid off all my bills. Everytime i call XXXX, XXXX XXXX, or XXXX XXXX no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Company Response:
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2023 card is paid company assured me it would be off my credit report
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolia Recovery is a fraudulent account reporting collections to my credit report for the amount of {$500.00} reported on XX/XX/23. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX credit card was discharged in bankruptcy, debt was also written off/charged off. Debt is still being reported on XXXX and XXXX. This same debt is being reported by Portfolio Recovery Associates to XXXX and XXXX. I have not ever signed any contracts or any other dealing with Portfolio Recovery Associates, and they are still reporting negative information to XXXX and XXXX on my credit report.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. ( PORTFOLIO RECOV ASSOC )
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES , LLC, " PRA '' Has again violated federally protected consumer rights. " PRA '' has failed to respond to my debt validation letter. I have requested the Audit trail, Account ledger, Forward flow agreement, Chain of title, Valid contract and their power of attorney over original creditor, to which they have defaulted on all 7 requests. Further more " PRA '' has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, pursuant to 15 USC 1692 ( a ) Abusive Practices. " PRA '' has also violated 15 USC 1692f ( 8 ) and utilized symbols and logos on their communications with me, exposed to anyone who handles mail, allowing anyone to know that a " debt collector '' is communicating with a consumer. Being that the consumer is the original creditor, " PRA '' has never requested from me to obtain my personal identifiable information and is now in violation of 15 USC 1692d - Harassment or Abuse. Please be advised that these are NOT the only violations within their correspondence. " PRA '' and XXXX XXXX, of the disputes department, will be held liable in federal court, within jurisdiction, if they do not cease communication with me, cease communication with ALL consumer reporting agencies and delete my records from their filings. Attached to this complaint is my cease and desist letter and another copy of the debt validation letter that they have failed to respond to adequately. Again, there is NO CONTRACT WITH " PRA '', an alleged " debt '' is not and will never be required to be paid if there is no contract or a third party debt collector has not sufficiently responded to a debt validation letter. Again, you do not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I reserve my right to file suit, without recourse.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I advised someone who contacted me from Portfolio Recovery Associates LLC on XXXX XXXX at XXXX not to contact me between the inconvenient hours of XXXX XXXX. I received another phone call from them on XX/XX/XXXX at XXXX which was a clear violation of what I had previously advised the day before. I have received repeated phone calls in the past from the same company & had advised them many times of inconvenient hours & their harassment, I had just failed to document all the prior instances to file this report until now.
Company Response:
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.
Company Response:
State: NY
Zip: 11001
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company is portfolio recovery and have called repeatedly about a debt outside the statute of limations. It went into collection in 2009.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A