Date Received: 2023-12-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2020 original creditor XXXX XXXX XXXX amount went from XXXX to XXXX from debt buyer XXXX XXXX XXXX. the other is XXXX XXXX XXXX XXXX XXXX amount XXXX, debt buyer portfolio recovery associates.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX a federally protected consumer and I am disputing this alleged account with CEO XXXX XXXX XXXX Portfolio Recovery Associates. I am requesting verification under oath the name an address of the original creditor of this alleged debt .I am invoking my specified remedy as the original creditor. I am demanding that Portfolio Recovery Associates to cease and desist communications with all third parties, including XXXX, XXXX and XXXX immediately. Please do not contact me unless you are contacting me to resolve this alleged account.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every day they call numerous times from over a hundred spoofed numbers... Different numbers every time
Company Response:
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Portfolio Recovery Associates , LLC continues to call me. I told them not to call and they simply call again with a different phone number. They make multiple excuses for their inability to stop calling me despite my repeated requests for them to stop calling me. Today when I asked them to stop calling me the woman speaking told me ahe " does not know what button to press to stop the calls so she will simply put me on the wrong number list. '' I used to have another phone number and they would call me at that phone number too even though I would tell them to stop. I have diagnosed post traumatic stress disorder and receiving constant unrelenting harassing calls from Portfolio Recovery Associates is causing harm to my mental health. I am also a military veteran facing chronic homelessness and unemployment and receiving these calls from Portfolio Recovery Associates while I am in the middle of a full-blown XXXX XXXX XXXX XXXX only makes things worse. Portfolio recovery will call me when I am unemployed and in an active XXXX state and they will argue with me and refuse to hang up the phone and make demands of me and threaten me until I reach the point that I feel XXXX XXXX. I have discussed this with my XXXX and he advised me to make a formal complaint and block their calls but they keep calling back with different numbers and even when I change my phone number they find it and call me anyway.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive disputed the validity of this debt. The company previously removed this debt because it was the result of identity theft. Portfolio Recovery is now reporting this debt again, they just changed the amount theyre reporting. Theyve provided no information for debt validation and/or debt verification. The amounts are between the original creditor and this collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information is incorrect. It hasnt been validated. This collection company are reporting different information for the same account than what the original creditor listed.
Company Response:
State: TX
Zip: 76001
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was removed due to identity theft. This account is not mine. The account wasnt validated and/or verified. The account is now reporting again on my credit report. Account XXXX is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Requested validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that I'm obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. This item has been re-inserted into my credit file. They were also required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore Portfolio Recovery Associates can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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, XXXX, XXXX, and Portfolio Recovery are in violation of 15 U.S. Code 6801-Protection of nonpublic personal information. Financial institutions and Credit Report Agencies have a duty to ensure the security and confidentiality of customer records, protect against threats of security, and protect against use of such records or information that could result in substantial harm or any inconvenience to the customer. Each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security of those customers nonpublic personal information. According to 15 U.S. Code 6802- Obligations with respect to disclosures of nonpublic personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with 15 U.S. Code 6803. In general, a financial institution may not disclose personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 Initial Privacy notice to consumer required- Financial institutions must provide a clear and conspicuous notice that accurately reflects privacy policies and practices to a consumer before you disclose any nonpublic personal information about the consumer to any non affiliated third party. 16 CFR 313.7-Form of opt out notice to consumers ; opt out methods-Financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a non affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. There are various inaccuracies between the three credit reporting agencies. XXXX is reporting no accounts. XXXX and XXXX are reporting different amounts for XXXX. According to 15 U.S. Code 1681 consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and property utilization of such information. Per 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports, a consumer reporting agency may furnish a consumer report in according with the written instructions of the consumer to whom it relates. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records, absence the written consent of the individual. The Family Educational Rights and Privacy Act protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Schools may disclose, without consent, directory information such as a students name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell patently and eligible students about directory information and allow a reasonable amount of time to request that the school not disclose directory information about them. School must notify parents and eligible students of their rights under FERPA
Company Response:
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The debt is from XXXX and I had no idea that this was a debt.
Company Response:
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a junk debt buyer trying to collect a zombie debt that doesnt belong to me. Sending harrasdin collection letters
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A