Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with portfolio recovery. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to me.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have problems making payments with Department stores XXXX XXXX becouse the covid 19 pandemic also I been trayig to negotiate to make payments with them and maybe they can anderstand I loss my job for the covid 19 Pandemic but the company didn't want negotiate so they send my to collection with portfolio Recovery company and this affect m credit score very badly
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a contract or loan with this company.
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX in XXXX XXXX granted an automatic judgment to these companies that claimed they were collectors for transferred XXXX cards. I filed a motion for discovery and requested information from the companies, they did not respond. I attempted to reschedule the date of the hearing but that was refused. The day of the hearing the company did not show up, when I arrived to court I was told they had to rescheduIe but they did not know immediately when to schedule it for so they did not give the clerk of courts a date, said they would call back. I was never notified of the new date, and when I did not attend, XXXX XXXX ordered a judgment in favor of those companies, in my absence, without acknowledging my filed documents requesting information or desire to be present.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have to constantly change my number because Portfolio Recovery Services calls me constantly. I tell them to stop calling I even have recorded phone calls telling them to stop but they won't. They even called me when I'm at work sometimes they will back to back call me. I will block their number they will use different numbers. I have to change my number constantly I had phone numbers XXXX XXXX XXXX and many more in the past all because this company harassed me. The information they got as well is not correct and I got 2 times that they called me outside of XXXX XXXX cut off limit. One is at XXXX XXXX and the other is at XXXX XXXX. Almost XXXX XXXX at night when I have to work next morning I can't get any sleep. I have recording after recording asking the telling them to stop. They won't atop calling.
Company Response:
State: VA
Zip: 24151
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A letter was sent in response to notices sent to me about this debt without VALIDATION. I have not received a response with validation for me to investigate within the 30 day window and it has not been removed from the credit reports.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery appeared on my credit report XXXX. They claim that I owe them {$4700.00} even though Ive never done any business with this agency., nor have I accepted any funds from them. Ive disputed this report numerous times. On XX/XX/2023 I sent a handwritten letter to this company requesting the original copy for the debt in question. I received no response. Im not liable for this debt of Portfolio Recovery. I have NEVER entered into any contract with this agency.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Repeated calls from Portfoliorecovery and even when I answer and tell them I am not who they are calling for, they just say thank you and hang up and then call back from a different phone number.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have had a wave garnishment sitting at my employer now since XXXX and they company sent me notice today XX/XX/XXXX that they are going to try to garnish me again for the same debt that is waiting for a turnover letter
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am been telling them to stop calling as my account is already in dispute but they said that we will keep calling you.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A