Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, portfolio recovery associates , LLC whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : XXXX XXXX XXXX : Acct # XXXX. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 10 days will compel me to escalate the issue to the United States XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Notice for Request for Documentation of Legal or Equitable Chose in Action and Immediate Deletion Dear XXXX XXXX and all Representatives of Portfolio Recovery Associates, Sent via fax # XXXX Sent via Mail # portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Sent via Email @ XXXX I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX, last ssn XXXX XXXX XX/XX/1983 Your company has been illegally using my personal property In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Copies of any contracts, agreements, or instruments related to the chose in action. 2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 3. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 4. Pertinent correspondence, communications, or notices related to the chose in action. 5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 days. If the full documentation is not confirmed I demand full deletion of any accounts under the trust property under XXXX XXXX XXXX from the XXXX credit bureaus as well and send full proof of the completion. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter. Sincerely, By : XXXX ; XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that Portfolio recovery allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If Portfolio recovery had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: PORTFOLIO CALLED ME FROM XXXX TO MY NUMBER XXXX AND TRIED TO COLLECT A DEBT FROM SOMEONE I DON'T KNOW. I ASKED FOR THEIR ADDRESS AND THEY REFUSED TO GIVE ME THEIR ADDRESS. THEY CALLED ME SEVERAL TIMES.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: PORTFOLIO RECOVERY ASSOCIATES IS KNOWINGLY ATTEMPTING TO COLLECT AND REPORT ON A DEBT AS A NONAFFILATED THIRD PARTY THAT HAS ALREADY BEEN REPORTED TO THE IRS AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT BY THE ORIGINAL CREDITOR. PORTFOLIO RECOVERY ASSOCIATES HAS ABUSED AND VIOLATED MY RIGHTS AS A CONSUMER AND TAXPAYER TO REPORT MY INCOME TO THE IRS PROPERLY AND ACCURATELY UNDER FEDERAL TAX LAW OF INTERNAL REVENUE CODES OF 1986 ( IRC ) TAX LAW 13-35 SECTION 1.166-2 ( d ) ( 1 ) ( 3 ) and SECTION 2.166 ( a ) ( 1 ) ( 2 ). I HAVE NOT RECEIVED A 1099-C FROM PORTFOLIO RECOVERY ASSOCIATES SO THAT I CAN REPORT MY INCOME TO THE IRS ACCURATELY .
Company Response:
State: PR
Zip: 00610
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Creditor statements is not proper validation of debt. Kindly provide the purchase agreement if any for this alleged account. Please understand I XXXX XXXX deny any and all claims. XXXX XXXX is not asking for proof of just name or address because that is not what is in question. XXXX XXXX is not asking for verification and in keeping in compliance with G.A.P.P provide the info requested because it violates 5 USC 552a. PORTFOLIO RECOVERY ASSOCIATES LLC whose EIN is XXXX is in direct violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. PORTFOLIO RECOVERY ASSOCIATES LLC is in direct violation of 15 USC 1692d ( 2 ) for using deceptive language during our communication. PORTFOLIO RECOVERY ASSOCIATES LLC is indirect violation of 15 USC 1692f ( 2 ), PORTFOLIO RECOVERY ASSOCIATES LLC, is in direct violation of 15 USC 1692e ( 2 ) ( a ). I XXXX XXXX is keenly aware of the debt collection company not genuinely responding or acknowledging any of the issues stated in the initial complaints to XXXX XXXX 'S, but instead is, copy and pastes the same exact response. XXXX XXXX is aware that PORTFOLIO RECOVERY ASSOCIATES LLC has been flagged by the FTC as an abusive debt collection agency. PORTFOLIO RECOVERY ASSOCIATES LLC is a junk debt buyer. PRA attempted to sue back in XX/XX/XXXXXXXX and lost because of abusive practices. A Missouri jury ordered a PRA to pay nearly {$83.00} XXXX to a XXXX XXXX woman it pursued for a {$1000.00} credit card bill she didnt owe, XXXX affiliate XXXX reports. Portfolio Recovery Associates LLC was found guilty of violating the Fair Debt Collection Practices Act, in which they were ordered to pay {$250000.00} in damages, as well as maliciously prosecuting the woman, XXXX XXXX XXXX, over the debt that did not belong to her. For the malicious prosecution, the jury awarded XXXX {>= $1,000,000} in punitive damages. XXXX XXXX possesses. Actual proof of the many violations. Just because the CFPB has not moved on PORTFOLIO RECOVERY ASSOCIATES LLC does mean you will not get sued. PORTFOLIO RECOVERY ASSOCIATES LLC is now liable to XXXX XXXX according to 15 USC 1692K Civil liability and 15 USC 1681o for negligence. XXXX XXXX has collected a paper trail with substantial evidence against PORTFOLIO RECOVERY ASSOCIATES LLC. All of the CFPB complaints will also be used against you. I XXXX XXXX am not an uninformed naive consumer. I XXXX XXXX am keenly aware of what PORTFOLIO RECOVERYASSOCIATES LLC is doing. I XXXX XXXX DEMAND that PORTFOLIO RECOVERY ASSOCIATES LLC delete the account from all consumer reporting agencies and cease all collection activities for the last time or PORTFOLIO RECOVERY ASSOCIATES LLC will be liable under 15 USC 1692k and 15 USC 1681o, damages, punitive damages, and any other violation experiences by PORTFOLIO RECOVERY ASSOCIATES LLC.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, capital one, XXXX XXXX XXXX, XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Dear Sir/ Madam, The reason for this complaint against PRA ( Portfolio Recovery Associates LLC is not the original creditor. They never show any proof of ownership as the original owner. They never provide me chain of titles, bill of sales, etc. They never proof they have license to collect debt. In addition, this old debt already passed/expired statute of limitation. Also, and very important, after they were informed to stop and desist, they still sending letters which is a violation under The Fair Debt Collection Practices Act ( FDCPA ). I may take legal action against them if this continue. In the time I am collecting all evidence on my end. And YES, I am aware all of the public complaints against them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A