Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio recovery calls a minimum of 10 times a day from XXXX voice numbers to collect on a debt that I do not owe. The charge account was my soon to be ex-wifes name, and I never had access or used the account.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is in Reference to Portfolio Recovery. This is a collection account, in which i do not have any knowledge of the company. I have asked Multiple times requesting validation of the debt, as well as copy of the original contract that was signed with my signature. Pursant to usc 1682G ( b ), I am able to see the proof of chain title of ownership. They have refused to send me any documentation. Along with this, it is listed on my credit report as open with past due amount showing. As a collection account it should not be open and not showing late and past due amounts. With this being said i wou7ld like it to be removed as being inaccurate.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This account was paid in full and reported to Capital One that any additional charges were fraudulent due to identity theft with XXXX and XXXX XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency XXXX XXXX XXXX, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both XXXX XXXX XXXX and Capital One if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This account was paid in full and reported to XXXX XXXX that any additional charges were fraudulent due to identity theft with XXXX and XXXX XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency Portfolio Recovery Associates, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both Portfolio Recovery Associates and XXXX XXXX if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist. Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right. I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information. I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome. Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws. XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week. 2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates . 3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX ACCOUNT # : XXXX PORTFOLIO RECOVERY ASSOCIATES IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Company Response:
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and PORTFOLIO RECOVERY ASSOCIATES continue to report to XXXX, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX to be removed from my credit report
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I have pay the settlement but still showing on my credit report
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates. On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt. I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ). Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft.
Company Response:
State: CA
Zip: 92243
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A