Date Received: 2023-12-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I constantly receive mysterious calls where no one speaks and all I hear is a beeping sound. Strangely, no voicemail is left if I don't answer. I never gave them permission to contact my cellphone, which goes against the Telephone Consumer Protection Act ( TCPA ). This act specifically prohibits automated collection calls to cell phones, especially when I have already requested them to stop calling on numerous occasions and even spoken to their managers. Despite my multiple cease and desist requests, they continue to persistently call me and harass me.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX portfolio recovery XXXX XXXX Portfolio recovery XXXX XXXX XXXX XXXX XXXX These accounts are hurting me to a decent life and to inquire property for me and my family
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have no knowledge of this company and would like immediately removed from my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Company Response:
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy of information on my credit report concerning an account held by Portfolio Recovery Associates. After a thorough review, I have identified discrepancies and inaccurate information in the reporting, and I kindly request the verification and correction of all incorrect information or the removal of this account from my credit report. The inaccurate information on my credit report is in violation of consumer protection laws outlined by the CFPB. Specifically, I believe the following regulations are being violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** - Section 611 ( a ) : The inaccurate reporting is a violation of my rights under the FCRA , which requires consumer reporting agencies to provide accurate and complete information. 2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - Section 807 ( 1 ) : The inaccurate reporting may constitute unfair or unconscionable means to collect a debt under the FDCPA. 3. **Consumer Financial Protection Act ( CFPA ) : ** - Section 1036 ( a ) ( 1 ) : The inaccurate reporting may constitute an unfair, deceptive, or abusive act or practice in violation of the CFPA. I have identified the following inaccuracies and discrepancies in the reporting : 1. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the same debt to my credit Bureaus twice, under different account numbers. 2. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported to my XXXX credit report and my XXXX credit report as loan type " debt buyer account '' while also having reported to my XXXX credit report separately, as a " factoring company account. '' 2. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported this account as " open '' for my XXXX and XXXX credit report, but as " Closed '' to my XXXX credit report. 3. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date of last activity '' to my credit bureaus with 3 separate reports dates of XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. 4. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date reported '' to my credit bureaus with 3 separate dates showing XXXX at XX/XX/XXXX, XXXX at XX/XX/XXXX and XXXX at XX/XX/XXXX. 5.As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date opened '' to my credit bureaus with 2 separate dates showing XXXX at XX/XX/XXXX and XXXX and XXXX at XX/XX/XXXX. 6. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " Original Creditor '' to my credit bureaus, showing 2 separate names of " XXXX XXXX XXXX '' on my XXXX credit report and " XXXX XXXX '' on my XXXX credit report. I have attached supporting documents that provide evidence of these inaccuracies. I kindly request that the CFPB investigate this matter and take appropriate action to ensure the accurate reporting of my credit information. Please inform me of the steps you will take to address this dispute and the expected timeline for resolution. I appreciate your prompt attention to this matter. Thank you for your assistance in resolving this issue. Thank you.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery calls my phone repeatedly using multiple numbers and when I contacted them through chat they were unable to locate any account information with my name, phone number and last 4 digits of my social security number. I have no debts owed or negative remarks on any of my 3 credit reports and I have very good credit.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On I received a letter dated XX/XX/2024 from Portfolio Recovery over a month after the letter I wrote to them asking them to : 1 ) verify the debt they claim I owed them of the 3 accounts they reported on my credit report, 2 ) prove that they own this debt, because I have never done business with them, 3 ) disclose the amount they purchased the 3 accounts for, and 4 ) if they can not then please close the collections and remove them from my credit report. They sent me copies of a one ( 1 ) debt that is not from them, and an amount that is not what they are reporting on my credit report.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have already disputed this account with portfolio recovery a k a XXXX XXXXXXXX. Their comment was, they had the last four digits of my social security number, But they still haven't provided my signature any payments on the account. This still doesn't prove that this is my debt! When I took out the debt XXXX, it was for {$500.00}, and I did make all payments. I still feel I PIF! They have not provided proof of debt nor proof that they can collect on debt! Anyone can get the last 4 digits of my social security number and claim I owe a debt!
Company Response:
State: IA
Zip: 523XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This Company is trying to collect on bills from a doctor that wrote off these bills. I do not owe anything to this Company. They call using other peoples personal numbers to disguise their identity, and they call at odd hours and on Weekends. I have told them to stop calling me, but they keep harassing me. Also, the Dr office did not go through my insurance company to negotiate the billing, I have Medicare and it wasnt used for the large billing.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I called Portfolio to discuss why they were on my credit report. The lady was very rude and told me that they send me a letter. When I requested another letter, I got a notice that they send me a letter in XX/XX/2022. I then mailed them a certified letter requesting more information and they have failed to respond.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A