Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I XXXX XXXX XXXX, consumer, am not liable for the alleged debt to XXXX XXXXXXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY. they did not provide me with the original contract as requested nor did they provide me with my rights and how to dispute.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated calls daily from different phone numbers. I requested they stopped calling me and started to block the phone numbers. They keep calling me from different numbers asking for XXXX different names.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive repeated calls, XXXX to XXXX calls every day. They maintain constant harassment.
Company Response:
State: PR
Zip: 00791
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. Portfolio Recovery Associates does not have my consent to have and share my private personal information. They are XXXX my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in XXXX of XXXX federal laws.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was a charge off and this makes like the third or fourth company Portfolio Recovery has sold the account to for collection.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Portfolio Recovery is reporting 2 collections that are for credit cards opened fraudulently. I have filed an identity theft report and reached out to the bureaus and portfolio to give them a chance to fix it and they are still reporting despite the accounts being fraudelent.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Violation ( s ) of : Consumer Financial Protection Bureau V Portfolio Recovery Associates, US District court Eastern District of Virginia Case 2:23-cv-110. Portfolio Recovery Associates has violated the letter of the above named stipulated order entered between PRA and the CFPB. They have sued me in " PORTFOLIO RECOVERY ASSOCIATES , LLC vs. Hontas Farmer Case No. XXXX in the XXXX XXXX XXXX XXXX XXXX Illinois. In doing so they did violate almost every provision of this order. Most directly and clearly they have violated the requirement of the order regarding " Initiating any Debt Collection Lawsuit in which Defendant is suing under a breach of contract claim unless Defendant ( PRA ) possesses documentation of the original contractual terms and conditions applicable to the debt. " PRA is allowed 30 days to send the Terms and Conditions. In a letter from their attorney XXXXXXXX XXXX XXXX they reiterated that these XXXX and XXXX would be sent within 30 days of service of papers. Service of papers was on or about the XXXX of XXXX it is now the XXXX of XXXX. That is the clearest, most concise and most direct violation. They have violated other aspects of this order. The plaintiff did not provide documentation that is compliant with the above referenced order, CFPB v PRA, for initiation of a lawsuit under the theory of breach of contract. a. The alleged OLAD provided does not show a purchase or payment, and certainly is not a document signed by the defendant as stipulated in the order from CFPB v PRA. b. No document signed by the defendant has been provided agreeing to this debts stipulated in the order from CFPB v PRA. c. No document disclosing the full terms and conditions of this contract have been provided at time of lawsuit initiation, as stipulated in the order from CFPB v PRA. d. They have not provided at time of lawsuit filing a listing of the names of all prior owners of the debt, each specific bill of sale for each specific time the debt was sold. e. Finally, the above mentioned failure to provide the original terms and conditions of the contract when suing for breach of contract within 30 days of lawsuit service. This was not done, and has not been done as of this date. Furthermore, I have informed them of my strong suspicion that this debt is utterly false, either the resurrection of an already paid debt or a debt invented from whole cloth. As evidence of this the outfit that I supposedly owe the original debt to has since granted me a credit line of XXXX dollars. Logically if I simply never paid them that would not happen. As of right now the case is pending with a case management date in XXXX of XXXX At which time, or close to this time I intend to move for dismissal on the grounds that this order has been breached, and that their case lacks merit. Either order like Consumer Financial Protection Bureau V Portfolio Recovery Associates, mean something or they do not. We'll find out.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Portfolio Recovery has called me several times requesting a debt I dont know about. Secondly, I requested validation on the debt but have not received anything.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, XXXX XXXX have been a victim of identity theft in regards to a credit being issued under my name and social security number without my authorization. There was a credit card issued from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, I filed an identity theft report and received reference number XXXX. I then contacted the XXXX XXXX fraud department on or about XX/XX/XXXX, and did receive correspondence on or about XX/XX/XXXX, stating that they investigated my claim and I wouldn't be responsible for the debt. Unfortunately, at this time I don't have a record of the correspondence because I went through a divorce in XXXX and all of my possessions were burnt. At this time I am requesting that XXXX XXXX reinvestigate this of matter to clarify the accuracy of this debt
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A