Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to formally lodge a complaint regarding serious inaccuracies present in my PORTFOLIO RC credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my PORTFOLIO RC credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge PORTFOLIO RC to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter
Company Response:
State: GA
Zip: 30223
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 enough information to verify debt
Consumer Complaint: After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my XXXX credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for XXXX XXXX XXXX XXXX XXXX and the credit card opened with XXXX on XX/XX/XXXX. I have attempted to collect this information from both XXXX and Portfolio Recovery A on XX/XX/XXXX. XXXX responded with not willing to provide the information. Portfolio Recovery A 's response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with Portfolio Recovery A on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used XXXX XXXX Payment Security Program to file two claims for payment protection due to being laid off during the XXXX XXXX due to lack of work. Those claims were made XXXX of XXXX and XXXX of XXXX.
Company Response:
State: KS
Zip: 66502
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Delete all errors on my files and reports
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This debt collector continues to try and use area codes the same as mine to make it seem like a local caller. There are thousands of complaints online just in my rural Nevada area code of XXXX. If you block the number they just call the next day with a different number. I have no debt after losing my paid off home during XXXX lockdown. Unable to collect back rent from tenants made it difficult to pay taxes while waiting for unemployment.
Company Response:
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was hounded by this company years ago, now suddenly theyre contacting me again. For what reason, I do not know as I am not in arrears with any credit holders
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: On XX/XX/2023 i requested a debt validation letter also with accurate dates. This company has failed to reach out and also failed to give me validated paperwork concerning a debt. I demand for this to be removed from my credit report, under the 15USC 1681
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was being called at least 7 times a day several days a week during my work hours. I was receiving harassing voicemails with Portfolio Recovery threatening to sue me for a debt. One day when I came home there was a plastic bag with documents inside that appeared blank hanging on my front door knob. I left the bag on my living room table because I thought it was a solicitation. Several months later I received a letter from my county court clerks office stating I had a judgement against me because I failed to appear in court.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent this letter to PORTFOLIO RECOVERY ASSOCIATES. They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have profilino recovery removed off my XXXX report i cant seem to get off my other report. It been removed because of fraud. I have dispute it with them a million times cant seem to get them to take off.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all evidence attached below.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A