Date Received: 2023-10-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 33168
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I tried applying for student house but was denied due to my credit score, I came to find out I had two fraudulent credit cards under my name. One was Portfolio RECOV ASSOC account number XXXX. I got this from XXXX The original creditor is XXXX with a total of {$1200.00}.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for Portfolio Recovery for {$1400.00}.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I lost my job in XXXX and did not find employment until XXXX. During this time XXXX XXXX sold my account to Portfolio Recovery. I have been receiving phone calls since XXXX and I'm sure the statute of limitations has expired for collecting this debt. It has been over nine years! I do not want to talk to Portfolio Recovery because I know they will try to trick you into answering questions that may restart the time on collecting this debt. I have tried to block the phone numbers they use but if you do that you are bombarded with even more phone calls. The phone calls are during the day, at night and on weekends.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am not liable for this debt with ( XXXX XXXX XXXX XXXX ) I do not have a contract with Portfolio Recovery. The debt listed on my credit report is non-factual/fraudulent I looked at my credit report and noticed an unusual collection that does not belong to me, completely unauthorized. I know that I have in the past lost my personal credentials while job hunting in which I had my social card which is how I believe someone possibly got my information. Please kindly I ask that you remove this collection off my report!!!!
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio recovery sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Associates , LLC, has been calling me, non-stop, at minimum, five times a day since XX/XX/2023. They NEVER leave a message ( voice mail ). They also have tried using multiple phone numbers, sometimes trying to " spoof '' a local number to trick me into thinking the call is local.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have three collection or bad debts on my credit, XXXX XXXX and 2 from portfolio associates. They are from XXXX and too old to be reporting per Ohios statutes for credit reporting. Besides that, Portfolio Recovery sold or got rid of one of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. Besides that I filed bankruptcy in XXXX. It is XXXX XXXX XXXX. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only one it is still reflecting on? I understand it can remain for 7-10 years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This account was taken out of bankruptcy discharge that it was in for years. Not a single complaint was addressed, not to mention using the pertinent laws to address or state your rebuttal from the actual violations that are brought against your company. PORTFOLIO RECOVERY ASSOCIATES ( PRA ) is a problem company who thinks they are privileged and can break all the law that were created to be used against them Like the XXXX that I wrote about previously, I wrote complaints that was XXXX TILA violations to the BBB and I requested for PRA to respond to my complaint with pertinent laws that correspond to the specific TILA codes that PRA is in violation of. PRA did not answer XXXX single complaint, that is not good enough and their failure to respond to the relevant terms is an obvious admit of guilt they are more worried bout this very bad publicity being posted to the BBB website is evident of their knowing of the violations ( now the CFPB ), this company has a long rap sheet/ track record of violations and class actions and could be called the Poster Boy company of the Dirty DEBT collector industry. All the phone calls I Received, no comment from PRA, why would anybody in there right mind believe their internal investigations in to this, especially since they didnt address XXXX single complaint. This so called Debt was part of a Bankruptcy it was XXXX, and for it to come back they are now falling into the XXXX XXXX XXXX XXXX fraud, they have already committed Identity Theft. I have every right to charge PRA the cost of the XXXX x XXXX vioilations multiplied by XXXX for all the violations, which they in Acquiescence of, meaning if they choose to not rebut the violations that they are accused of, then they are guilty of those violations. The debt was XXXX and I never received my XXXX, The fact that PRA canceled this debt with a XXXX on the last Quarter and I didnt receive my B copy is fraud also. This debt is related to the corporate entity and your trying to harass funds from the living natural Man, 15 U.S.Code 1692a ( 3 ). I am the agent for the Principal, I am not the surety. It is a fact, affiant is aware and has proof in the pages provided contain of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ), the principal has never been at such address much less taken residence. I DEMAND THAT PORTFOLIO RECOVERY ASSOCIATES ANSWER THE FOLLOWING OR REMOVE THE DEBT, if PRA choses not to answer these violations that they commit, I request that BBB XXXX their WRONG-FULLNESS for the world to see, they need to be held accountable, for their illegal ways. The true story is 18 USC 8 the UNITED STATES IS obligated to pay all debt public and private. I am the original creditor because of 12 USC 411. XXXX XXXX will back this up since they wrote the XXXX, and I the living man not the Principal am being harassed. 15 U.S.Code 1692k ( a ) ( 1 ) It is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to PORTFOLIO RECOVERY abusive and deceptive business practices. Like calling and hanging ups over and over, and just sitting on the phone when I pick up, also not telling me who I am talking to. Causing why family distress and fear of grave danger, and causing mental anguish for my kids and my mother who is now passed from the undue stress to speed up her natural process. 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) It is a fact, 15 U.S.Code 1692k ( a ) ( XXXX ) ( A ) states an individual action is a violation worth {$1000.00} dollars for proceeding, however understand 15 U.S.Code 1692k ( a ) ( 1 ) these violations has caused actual damages to me, it has caused me not to be able to get a credit to buy food causing hunger and lowered my immune system, then i fell terribly sick. I was unable to purchase fuel, for my truck to visit my mother one more time before she passed away. The unneeded stress from not having the credit that is my Birthright and that PORTFOLIO RECOVERY recently caused unneeded and unnecessary stress on my mother and so did I by being sick from my immune system being low, this caused my mothers worry for me coupled with the cold I gave her, caused her life to be shorter than it would have been with the credit that I deserve. 15 U.S.Code 1692e ( 8 ) It is a fact, affiant is aware and has proof in THE NEGATIVE CREDIT REPORT TO AGENCY of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ) .15 U.S.Code 1692c ( c ) 15 U.S.Code 1692d ( 6 ) Notice, it is a fact, affiant is aware it is a violation of 15 U.S.Code 1692d ( 6 ) to make phone calls to a consumer without meaningful disclosures of the callers identity. I, affiant made several attempts to get meaningful and reasonable disclosure from XXXX however I did not receive any meaningful disclosure. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) It is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and PORTFOLIO RECOVERY is in violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry. I am requesting that XXXX, Provide the prior written consent proof from affiant to have his personal information, phone, abode and Social Security XXXX. This is a violation of the 1974 Privacy Act. please answer with the laws to which pertains to the relevant violations of which your being accused. If you choose not to ( for the second time the previous, BBB LETTER ) THAT will be a omission of guilt, and you must remove the negative reports to all the Bureaus immediately. True, By : XXXX XXXX XXXX, XXXX UCC XXXX
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: They XXXX XXXX XXXX AM in a Saturday morning calling from XXXX
Company Response:
State: CO
Zip: 80904
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A