Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX XXXX breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. Please see your response where you admit to no proof of validation. Also see the XXXX data breach claim ID.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent XXXX letter requesting documentations such as, XXXX. The original account number, XXXX. The original creditor, XXXX. The date the account was opened, XXXX. The date of my last payment, if any, XXXX. The amount of the original debt XXXX. An itemize statement documenting the debt amount you are attempting to collect, XXXX the purchase agreement. I requested those because another company is attempting to collect the same debt. They have failed to provide me with the purchase agreement each time I request, instead they are sending me statements. This is not ethical business practices, and they should be held accountable.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This issue was previously removed from my credit almost a year ago and now its has damaged my credit score again and I feel its a case of double jeopardy. The account is not mine. I feel its best for me to not communicate with said company due to their tactics on gaining information.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: To whom it may concern, I have no more choice but to report it here. I want to make a complaint against Portfolio Recovery Associates and their act of abuse. As far as I know, under the Fair Debt Collection Practices Act, 15USC 1692 g, Sec 809 ( a ) and ( b ), Debts collections should not contact people after they were told to " Please cease and desist all calls and contact with me immediately ''. I believe it was one of the complaint here or in another site complaint. In addition, almost every month, they take control of all my credit reports ( XXXX, XXXX and XXXX ) by updating the balance and status which is hurting my credit scores ( Please see the attached ) when I have never contacted them so they are not authorize to update this information without my authorization or consent. In addition, they are not the original creditor and the date of the account was opened back in almost 7 years ( not on XXXX ) and this account is schedule by all credit reports to close by XX/XX/XXXX or schedule to be delete it by XX/XX/XXXX. This is a violation! I am including also letters PRA sent me after request to cease and desist that they still sending this letters to me. According to the FDCPA the court must award you not less than {$1000.00} in statutory damages for each violation.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with XXXX XXXX, they have started a fraud investigation. The summons and the account are not my name. When I say May name is not XXXX XXXX, Portfolio Recovery refuses to talk with me. I was advised to file a complaint with you.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I've been getting letters in the mail from random attorneys saying they can offer me help because I'm being sued by " Portfolio Recovery Associates '' ... they are breaking the law by threatening me with legal actions... The only letters I've received are attorney letters offering to help.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: PORTFOLIO RECOVERY IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfilo Recovery Associates purchased my debt from XXXX XXXX On XXXX my representative, XXXX contatced PRA and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. PRA did take payments on XXXX, XXXX. PRA stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but PRA will not remove the collection from my credit report.
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX purchased my debt from US Bank. On XXXXXXXX my representative, XXXX, contatced XXXX and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. XXXX did take payments on XXXX, XXXX. XXXX stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but XXXX will not remove the collection from my credit report.
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A