Date Received: 2023-11-18
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I am a XXXX XXXX. I will be XXXX XXXX of age at the end of XXXX. I am reaching out as I have received communication from a debt collector. This particular collector has been inappropriate, contacting family members about my financial information and debt that I may not owe. I am a ill person with several XXXX XXXX. Although I once was able to handle onslaughts such as this in the past, I now find I need help managing because of my medical state. At times I have problems paying my co pays for my meds. After requests for verification I was told that I can be sued if I did not cooperate. All I asked was who are you, and what debt do I owe and they did not verify. I will readily come to a reasonable agreement but I need to be met at a place where I am ; I need clear knowledge of who I am paying and why. I feel uncomfortable and harassed with the calls such that I am afraid to answer my phone.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was open with my information i tried disputing it several times and asked for proof they never send proof and keep making me make payment on this account that doesn't belong to me
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Noticed a collections on my credit report around XX/XX/2023. Contacted company & requested all information pertaining to me & this debt. I did not receive any information. I kept receiving calls to collect debt & advised each time the debt was not mine & to please send any information to me concerning this debt. Around XX/XX/2023, I placed a fraud alert with the credit bureaus. I have no knowledge of this debt. I am a victim of identity theft. I have previously made a report about this company on other cfbp reports.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I SENT SEVERAL CERTIFIED LETTERS TO PORTFOLIO RECOVERY ASSOCIATES VIA U.S. MAIL AND BY EMAIL. THE LETTERS WERE RECEIVED BY PORTFOLIO RECOVERY ASSOCIATES DURING THE WEEK OF XX/XX/2023 AND THE FOLLOWING DATES OF XX/XX/XXXX AND XX/XX/2023. MY LETTERS ARE REGARDING THE VIOLATION OF MY NONPUBLIC PERSONAL INFORMATION BEING REPORTED BY PORTFOLIO RECOVERY ASSOCIATES ON MY CONSUMER REPORT WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE. I ALSO SPOKE WITH THE PORTFOLIO RECOVERY ASSOCIATES DIRECTOR OF DISPUTES ON XX/XX/2023 AND XX/XX/2023 REGARDING THE VIOLATION OF MY RIGHTS TO PRIVACY AS A CONSUMER. THE DIRECTOR OF DISPUTES FOR PORTFOLIO RECOVERY ASSOCIATES ARGUED WITH ME STATING PORTFOLIO RECOVERY ASSOCIATES HAD THE RIGHT TO REPORT ON MY CONSUMER REPORT BECAUSE THEY PURCHASED THE ACCOUNT FROM XXXX XXXX ENDING WITH ACCOUNT NUMBER XXXX AND STARTING WITH ACCOUNT NUMBER XXXX.
Company Response:
State: PR
Zip: 00610
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XXXX of XXXX. This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Please have them remove this negative reporting. Regards, XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a collection account on my credit report from Portfolio Recov Assoc in the amount {$1800.00}. This is a fraudulent account or ID theft created. I have disputed the account with XXXX and XXXX and requested a copy of the validation and verification report from the credit bureaus and the collection agency. I sent a certified letter to Portfolio Recov Assoc ( see attach ) and they have ignored and the credit bureaus not helping. This is a fraudulent account and I would like it removed from my account.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Portfolio Recovery Associates and it is showing on my credit report without my consent. I have no contract with Portfolio Recovery Associates and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I found inaccurate information in PORTFOLIO RECOVERY. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Despite PORTFOLIO RECOVERY ASSOCIATES , LLC ' {$24.00} XXXX dollar lawsuit, pertaining to their repeated illegal debt collection practices and consumer reporting violations, they continue to violate consumer rights. On XX/XX/XXXX, they contacted XXXX XXXX XXXX pertaining to an unvalidated alleged debt. It is now demanded that they provide a response to questions 1-7 in the debt validation letter attached to this complaint. Bank statements will not suffice. If they can not provide adequate response, to what is requested in the debt validation letter, this debt will be deemed inadmissible.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to address a matter related to an account that has been reported on my credit report. According to the information available, your agency filed a notice of nonsuit for this account. I kindly request that you initiate the necessary steps to remove this account from my credit report in light of the nonsuit filing. This legal action implies that the matter has been discontinued, and it is appropriate for the associated credit reporting to be updated accordingly. Your non-compliance with my FINAL request of debt validation will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish. I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : PORTFOLIO RECOV ASSOC XXXX
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A