Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am somewhat a local celebrity down here in XXXX Florida and I have lost my wallet and has fraudulently opened accounts under my information.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of this account. And when I challenge this account, its called opening a dispute. The reporting this account, on my credit report, please must provide documented proof, for example, a document with my signature on it, that I authorized and provided consent for this account. This is a violation, if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I also request that this account that Portfolio Recovery Associates LLC be moved to arbitration, I have not been served documentation to appear in court, but counsel was notified of a docket numbers XXXX and XXXX in the XXXX XXXX XXXX XXXX for XXXX XXXX to be cease at once, and proper paperwork file and deliver to my address so I can appear.
Company Response:
State: LA
Zip: 71303
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This XXXX XXXX credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing to express my deep concern and frustration regarding the recent actions taken by Portfolio recovery in connection with an alleged debt. It has come to my attention that Portfolio Recovery has engaged in what appears to be a serious violation of the statute of limitations and, in the process, has subjected me to undue stress and inconvenience. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are bound by specific rules and regulations when it comes to the collection of debts, including the statute of limitations. Under the law, a debt becomes time-barred after a certain period, beyond which legal actions can not be taken to collect the debt. This debt was charged off in XXXX. In my case, I understand that the statute of limitations for the alleged debt in question had already expired, which is typically seven years in most states. During this time, the debt was in collections, and it adversely affected my credit score. However, to my surprise, Portfolio Recovery removed the collections account from my credit report but then took the drastic step of filing a lawsuit to collect the debt, well after the statute of limitations had expired. Furthermore, I want to bring to your attention that I never received any formal notice regarding this legal action. I was completely blindsided by the lawsuit, which is not only distressing but also a clear violation of my rights as a consumer. I believe that I should have been informed of the lawsuit and given an opportunity to respond appropriately within the legal time frame. Additionally, I am deeply troubled by the false and misleading information provided by the attorney office Portfolio Recovery hired, which erroneously claims that they have a 15-year window to collect on this debt. This misinformation has caused significant confusion and anxiety on my part.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by PORTFOLIO RECOVERY, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned PORTFOLIO RECOVERY accounts. Immediately delete these misleading entries from my credit report. As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.
Company Response:
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: COMPLAINT : XXXX In XXXX of XXXX I hired XXXX to redo my kitchen. I received a credit card from XXXX XXXX. I was NEVER satisfied with the work from XXXX ( scratched cabinets, appliances that already need to be replaced, chipped countertops ). Since having my kitchen done, XXXX has closed and filed for bankruptcy. I team that was in my home is gone. I have no recourse whatsoever. It is now 7 years later. This account has been sold to Portfolio Recovery ( account number XXXX ). I continue to be harassed by collection calls and letters. Again, XXXX has closed. I have no recourse. The information being reported on XXXX, XXXX and XXXX is interfering with my ability to qualify for a new home. This has been unbelievably stressful for me and my family.
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX, I and my wife XXXX XXXX XXXX received a letter from PRA Receivables Management , LLC in regard to a claim amount of {$32000.00} stating that this claim amount was owed from the purchase of a XXXX XXXX XXXX, that my wife and I purchased in XXXX. In the letter it stated that the claim amount originated with XXXX, XXXX then sold the loan to Portfolio Recovery Associates , LLC ( PRA ). { Letter enclosed } I received the claim in the amount of {$32000.00}. I wrote the company PRA Receivables Management , LLC and disputed the claim. I asked the company to please provide us with an explanation as to how the amount of {$32000.00} was derived at, because the documents I was sent made no sense to me { Documents enclosed }. There were late fees charged and interest being charged that did not show by any calculations as to how the interest, fees and other charges where charged. The documents do not show where any payments were made on the loan while we were in bankruptcy. Also, the documents sent show {$6400.00} as of XX/XX/XXXX, was added to the claim, but does not show where it comes from. We believe that we are being over charged on the balance of the loan, that amount we never received. We purchased the vehicle in XXXX, Paid on the vehicle for 4 and a half years before we filed bankruptcy in XXXX. We do not owe anywhere close to what this company is claiming. We are being considerably over charged and seek you help in this matter. Thank you. XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A