Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Account - Possible Fraudulent Activity Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the existence of an account associated with Portfolio Recovery Associates XXXX which is listed on my credit report. The specific details of the account in question are as follows : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Date of Account Opening : XX/XX/ After a meticulous review of my credit report, I want to bring to your attention that I have no knowledge of this account, and I dispute its legitimacy. I have not opened, authorized, or engaged in any transactions with Portfolio Recovery Associates. The information reported, including the original balance, past due amount, and the status of the account, does not align with my financial activities or history. Given these discrepancies, I am deeply concerned that this account may be the result of fraudulent activity or identity theft. I am formally asserting that this account is not mine, and I firmly believe it to be a case of fraud. In light of this, I am requesting an immediate and thorough investigation into the origin of this account. I kindly ask for your cooperation in rectifying this matter promptly.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery associates is saying I'm liable for debt where the original contract was not authorize by original contract to share personal information to a third party.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: PortfolioRecovery has called me repeatedly sometimes multiple times a day, multiple times a week, at all hours of day and night. They call from different numbers after I've answered a few times and asked them to stop harrassing me. I only know it is them as it will sometimes appear on my caller ID despite the multiple numbers with multiple area codes that have called. * XXXX - called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, * XXXX - called XX/XX/XXXX @ XXXX, XX/XX/XXXX * XXXX - called XX/XX/XXXX, XX/XX/XXXX * XXXX - called XX/XX/XXXX These are some of the calls that I could find that have not been autoblocked. I would be happy to provide phone records of the time and dates and how often and early/late this company calls me.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number. I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc. The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX. The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX. I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.
Company Response:
State: SC
Zip: 29690
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: COMPANY REFUSE TO REMOVE NEGATIVE REPORT FROM REPORTING AGENCIES
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Did not fix the problem, it is not my account.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never had an account with PORTFOLIO RECOVERY ASSOCIATES.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company " Portfolio Recovery Associates , LLC '' have called me multiple times starting on XX/XX/. I received 2 other calls from them in that month. In XXXX I received calls on the XXXX, XXXX, XXXX, XXXX, and XXXX. The XXXX I answered and they were trying to get ahold of a person that was not me. I informed them they had the wrong number, remove my number from their list and to not call me again. The next day I got another call from them of which I missed. Again today I got a call and answered and informed them of the same thing and also spoke to a supervisor and informed them to personally remove me from their list. Since they didn't care about me telling them on the XXXX to not call again I have a feeling they will call again even after this other time telling them to not call.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: When the debt collector buys your debt from the original party you owe, there is NO signed contract between you and the new debt collector.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A