Date Received: 2023-11-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio Recovery Associates LLC successfully managed to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Portfolio Recovery Associates LLC was granted a hearing for a default judgment against me that has since passed. I have never had any type of account with Portfolio Recovery Associates LLC. My name is very common in the XXXX Texas Region. Additional, the veracity of the claim hasn't been fully explored ( by me, the defendant ) beyond a shadow of a doubt that includes examining the subject account 's owner ( 1 ), receiving a full accounting of all charges ( 2 ), full account payment history ( 3 ), reviewing the account contract ( 4 ), plaintiff 's evidence of subject account ownership ( 5 ), reviewing the original creditor 's sale of debt contract for possible riders restricting legal action of subject account ( 6 ), evidence of plaintiff 's attempts to make me aware of an impending lawsuit prior to filling ( 7 ), determining if the plaintiff 's legal work is being performed out of state or within Texas ( 8 ), reviewing the statute of limitations for the action ( 9 ) - among other considerations. As such, Portfolio Recovery Associates LLC is disregarding federal laws designed to protect consumers at large. I urge the federal government start a full-scale audit/investigation on Portfolio Recovery Associates LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Company Response:
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company continues to call at least 5-10 times a day even though they have been told not to call. They use numerous different number to call from. I have even blocked some of their numbers after warning them. This is not even a valid debt. It is causing me several different health problems that I now have to take medication for since the XXXX is so bad.
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have encountered a dispute with Portfolio Recovery Associates regarding an account with the following details : Account Number : [ Account Number ] Account Type : Debt Buyer Date Opened : [ Date Opened ] Collection Account : $ [ Collection Amount ] Original Balance : $ [ Original Balance ] On [ Date ], I noticed inaccurate information on my credit report, specifically related to the account listed above. The reported information does not align with my records, and I have reason to believe it is not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). Despite my attempts to address this issue, no satisfactory resolution has been reached. I have taken the following actions : On [ Date ], I contacted Portfolio Recovery Associates via [ communication method ] to dispute the inaccuracies in the reported information. I provided documentation to support my dispute, including [ mention any supporting documents ]. I am seeking a prompt and accurate resolution to this matter in accordance with the FCRA. The accuracy of my credit report is of utmost importance to me, and I am prepared to take further steps as necessary to address this dispute. Please let me know how this issue can be resolved at your earliest convenience.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Today, I am writing this complaint to PORTFOLIO RECOVERY regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint against PORTFOLIO RC XXXX that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Company Response:
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I do not owe money to this specific company... I have never conducted any type of business with them.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this company portfolio recovery debt of {$150.00}. On XX/XX/23. I requested validation, verification. I informed them that, I dont have a contract with this company and requested that but wasnt provided.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Sunday XX/XX/XXXX, portfolio recovery ( XXXX ) left XXXX harassing voice messages while someone is attacking my internet. They called at XXXX left a XXXX sec message. They called twice at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX second message. The debt is from multi million dollar company XXXX XXXX. The debt is over 10 years old. Im unemployed and cant pay them. Im getting attacked by someone online and keep complaining to the fbi while Im being ignored. I cant even get a job to pay for my XXXX XXXX dollar XXXX XXXX I have XXXX and portfolio recovery needs to back off. XXXX call is sufficient enough.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The company responded sent a copy of the notification of the debt letter. The letter was sent to an address where I was evicted on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) The notification letters were sent in XXXX and XXXX, long after I had been evicted from that address. The company did not follow up with the correct address which could have been located on my credit file. This company has a history of unfair debt collection practices and this is evidence of that fact. I sent a copy of the court record to the company in XX/XX/XXXX. The company ignored the documentation forwarded to them and did not process my dispute. Instead the company entered inaccurate information that the debt was XXXX on XX/XX/XXXX, thus decreasing my score by XXXX points, in retaliation for filing the dispute. The company did not provided me an opportunity to dispute the debt because they notification was sent to an address where I had not lived for at least 1 to 2 years, legally. The company should be order to delete the tradelines for XXXX XXXX and XXXX XXXX because they do not own the debt and do not own the right to report it charged off without further delay.
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice. 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports. I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested. They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A