Date Received: 2023-11-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Portfolio recovery refuses to validate the debt. On their online portal it does not show this account but they refuse to remove it from my credit report. I have documents showing on their site I owe nothing. It is the only collection on my account and it is fraudulent.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. This account has been updated only with a balance update! Below are the updates I've received with only a balance updated date. " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Previous : Completed investigation of FCRA dispute - consumer disagrees. XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. I am aware that a consumer reporting agency can not furnish inaccurate information. I do not believe my disputes have been handled in compliance with the law. I request deletion or method of verification of how this account was verified.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive had this account removed previously and Portfolio Recovery Associates has started reporting this on my name again. This is violation of the fair debt collection, practices act. I have attached Section 809 ( a ) that states validation must be provided within 30 days of the collection agency contacting the consumer. Whereas, Portfolio Recovery Associates, never contacted me through any means of communication. The account details are below : PORTFOLIO RECOV ASSOC XXXX XX/XX/202XXXX XXXX
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXDebt Validation letter mailed to Portfolio Recovery Associates , LLC requesting original signed contract from the original creditor, verification indicating a valid basis on their claim. Proof of of their debt assignment, and whether debt is within the statue of limitations. After receiving a statement from them and a copy of letter they were to have mailed out in XX/XX/XXXX ( Which no letter was ever by them w/ their dates listed. ( I did not hear anything back from the company w/ in the XXXX day allotted time ). XXXX Sent an addt'l letter to the company indicating since they did not supply the requested items from the letter back in XXXX they had to by law remove the erroneous report off all my credit reports. Also, on the same date I reached out to XXXX to request this to be removed since the company did not supply any records to me at the allotted time of XXXX days. Yet received a statement from the company dated XX/XX/XXXX, telling me I had to pay them money for an account I already disputed wasn't mine and I was never sent anything from them. XXXX Sent an addt'l letter to the company requesting proof of debt and again the original signed contract agreement w/ my actual signature. -No communication from the company for months, yet received notification that a mark was placed on my account by the company indicating " consumer disputes and has no knowledge of debt ''. XXXXReceived notification from mortgage lender that same company is reporting this same erroneous debt twice ( doubling the amount they are trying to collect ) on XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. XXXX Sent an addt'l debt validation letter to the company certified disputing the charges, and request original signed authorization of my signature and request for them to stop collection charges and reporting erroneous charges as this is damaging my credit. XXXXReceived notification from post office in VA the company refused ( after checking if company received my mail ) to sign for my certified mail, and I had until XX/XX/XXXX to have it redelivered. I went back into my local post office to inform them of this and the manger sent an email to the manager at the post office in VA to let them know they needed to redeliver the mail by law and obtain a signature. XXXXReceived mail from the company, w/ statements of the use of card opened in my name illegally. This company still failed to provide me an original signed contract w/ my signature and no photocopies of this original contract. They still have failed to comply w/ the requested items on the debt validation letter and send me a statement.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: During the height of the pandemic I received multiple calls every week for months about this debt. I did not know that the laws of my state at the time and that the statute of limitations were changing from 6 years to 3 years. I had reached out to the company in XXXX of XXXX I reached out to the company to inquire about the debt. Since then this company has updated my payment history on each reporting agency. They've added that I made a payment on XX/XX/XXXX. This is a violation of my rights. I believe the company is attempting to reage the account and extend the time it stays on my report. I have asked for verification of debt and have received copies and letters with an address that I have no record of. I moved to my current address in late XXXX. The address on the letter from the original creditor does not match my current address. This company provided a letter from the original creditor dated in XXXX which I never received and it was not mailed to my address. Besides calling me constantly in an attempt to restart the statute of limitations on this debt, this company has provided inaccurate information on my report and is updating my report every month as an open account with a past due balance. A collection is already past due. I never made a payment and it is reporting as a payment was made or scheduled. I want Portfolio Recovery to be investigated for their practices, provide when was I contacted initially about the debt. I am required to have an accurate reporting and the update every month has caused new employment opportunities. This account has passed the XXXX in my state of NY which is 3 years. According to the records on file the original creditor sold the debt to Portfolio Recovery sometime between late XXXX to early XXXX. This account is passed XXXX. Please remove from my records for inaccurate reporting
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$1100.00}. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery Ass reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. On XX/XX/XXXX two collection balances for {$410.00} and {$580.00}, original creditors XXXX XXXX was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my XXXX account. Which is current.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been battling this debt collector with validation etc to no avail as I dont recall ever opening a XXXX XXXX XXXX XXXX XXXX and it was such a low amount I would have paid it if I did. My investigation has revealed that I was a victim of the XXXX data breech and that is where my information was leaked. Please see the attached reports and please remove this an accurate item from my credit bureaus as you are causing me undo harm for something that was not mine.It
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A