Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Have been getting harassing phone calls from portfolio recovery for debt owed by my late spouse.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Portfolio recovery XXXX $ XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to XXXX to have them removed immediately as I do not recognize
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX XXXX and Portfolio Recovery Associates are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery Associates and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and Portfolio Recovery Associate 's obligation not to furnish inaccurate information to credit reporting agencies. FCRA Section 621 : XXXX XXXX XXXX, XXXX XXXX 's and Portfolio Recover Associates potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. I have never had any dealings with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. I demand the immediate : Investigation of this matter by the CFPB. Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, XXXX XXXX and Portfolio Recovery Associates. Compensation for my time and effort spent disputing this illegal account. Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. Thank you for your prompt and serious attention to this critical matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery is reporting inaccurate information on my credit report. That is a violation of the FDCPA. They Have to report accurate information or delete the account of the consumer report. below is the proof of inaccurate reporting on my consumer report. 15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery is calling me daily and on Sundays. They call from different numbers and different places in Pennsylvania. They will NOT leave a message or give me any needed information. I don't know if they're a real company or not. They won't say who they're representing. I get just a 1st name from the caller. The Phone ID gives me the " Company Name ''. I feel this is very harassing and suspect.
Company Response:
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have requested the company sent me a contract or paperwork with my wet signature, a copy of my photo ID, proof that the debt belongs to me. I have been requesting this information for the past 5 years and the company refuses to provide it. The debt is a violation and if it does not get removed or fairly rectified I will sue in civil court for financial and emotional distress.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was surprised when I saw a copy of my credit report, I've been a victim of identity theft.
Company Response:
State: PR
Zip: 00794
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery A, says I opened a account with them XX/XX/2023 on my credit report and is reporting its still open with XXXX XXXX XXXX XXXX, I would like for this account to be deleted off my report and i have been getting numerous calls about this debt.
Company Response:
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX Re : Account Number : XXXX Original Creditor : Synchrony Bank To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus . I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX. An explanation and breakdown of how the alleged debt was calculated. Copies of any documents demonstrating my agreement to pay the alleged debt. Verification or a copy of any judgment if applicable. Proof that the Statute of Limitations has not expired on this account. Confirmation of your licensing to collect in the state of New York. Provide license numbers and the Registered Agent or Agent of Service. I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. Additionally, I would like to bring to your attention that if Portfolio Recovery Associates or any affiliated company reports invalidated information to any of the major Credit Bureaus ( XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. If Portfolio Recovery Associates fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by USPS. I trust that Portfolio Recovery Associates will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: They said it doesnt matter that debt was discharged they were still going to collect.
Company Response:
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A