Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recovery Associates, Portfolio Recovery Associates , LLC, Portfolio Recovery Associates , Inc., PRA, PRA LLC, known as PRAA on XXXX ), PRA Group , Inc, XXXX, XXXX, PRA Receivables Management , LLC, PRA Holding I, LLC. PRA Group , Inc. under XXXX XXXX XXXX and XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Collection account. {$20000.00} past due as of XX/XX/2023. This is an official written notice to you in response to a mark made on my XXXX, XXXX and XXXX credit reports. Be advised, this is a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that the record you placed on my credit report is disputed and validation is requested. This is NOT a request fro " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section, I respectfully request that your office provide me with the competent evidence that to validate any legal obligation to pay this UNVERIFIED account. Provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide a verification or copy of any judgement, if applicable Identify the original creditor Prove the STATUE OF LIMITATIONS has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute FRAUD under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collections Practices Act Defamation of Character If your office ( s ) are able to provide all the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any actions is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be INACCURATE or INVALIDATED or verifying an account as accurate when in fact there is no provided proof that it is. If your office ( s ) fail to respond to this written validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone, email, fax, text contact be made by your office ( s ) to my home, family, friends nor employer. If your offices attempt communication with me, including but not limited to computer generated correspondences sen via any third party, it will be considered continued harrassment. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. HONORABLE XX/XX/XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I would like to file a complaint about XXXX collection agencies Portfolio Recovery is reporting a collection on my credit report as open. That is a reporting inaccuracy XXXX XXXX is reporting a XXXX on my credit report as open. That is a reporting inaccuracy
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have Requested validation of debt and they keep claiming they have sent Validation which I never receive. I have sent letters asking again for validation or requesting removal of this collection account from my credit report AS OF XX/XX/XXXX.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Did not recieve information to dispute. Did not recieve signed contract verifying debt. Harassed via phone numerous times and they wouldn't speak to me in detail without verifying my personal information first ( FULL SSN & date of birth ) Called my PARENTS regarding supposed debt. Filed lawsuit without proper documentation, false claims and inaccurate information. Their verification of debt is a monthly statement from a bank with my name on it and a bill of sale, I don't know what this debt is & a statement with my name ( that could easily be falsified ) does not make it mine.
Company Response:
State: MO
Zip: 63020
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX, Portfolio recovery, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX, Portfolio Recovery, and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX XXXX Portfolio Recovery, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, XXXX number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. PRA GROUP XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: An applicable financial entity has XXXX ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication XXXX : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and XXXX have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.
Company Response:
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX Amount : {$780.00} The company mail me forms to fill out with The Dispute Department I will like for this to be removed and deleted out of my credit report, seeing I never applied for this
Company Response:
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX Portfolio Recovery was sent a certified dispute letter requesting validation of an alleged debt owed by XXXX XXXX in the amount of {$580.00}. As of today, XX/XX/XXXX they have failed to respond to the letter or provide legal documentation such as a promissory note or contract bearing my signature which holds me legally responsible for this alleged debt. Portfolio Recovery is illegally reporting a false debt to the credit reporting agencies without notifying me in writing first. It is a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: PORTFOLIO RECOV ASSOC Appears on my credit report as a COLLECTIONS AGENCY for two XXXX XXXX accounts with balances of {$2300.00} and {$380.00}, respectively. AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to XXXX XXXX to disclose not PORTFOLIO RECOV ASSOC to request my information. Protected under privacy act of XXXX and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given. This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A