Date Received: 2023-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Portfolio Recovery continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXXXXXX XXXX XXXX
Company Response:
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Repeated emails from Portfolio Recovery after being told to stop and to send original creditor information.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Never done business with the third party attempting to collect this debt. Dont know how they received my personal information. This is a violation of my privacy.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There was an account opened at XXXX XXXX. I had asked for verification of the said account, and none was provided. Then a response from XXXX XXXX States that they no longer have this account, and it was turned over to Portfolio Recovery Ass. on XX/XX/2018. I have no knowledge of this Account in question. I tried to resolve this with Portfolio Recovery Ass..
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX To Whom It May Concern : Portfolio Recovery Associates XXXX LLC/XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Remove/or verify account I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Company Response:
State: TX
Zip: 78207
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio recovery associates llc is in violation of court order ( XXXX ) by failing to provide me the contractual terms and conditions governing the debt.
Company Response:
State: IL
Zip: 614XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent correspondence to PORTFOLIO RECOVERY ASSOCIATES '' PRA '', stating PRA violated REGULATION F, which started XX/XX/XXXX. Other Violations : -FDCPA XXXX by parking an alleged debt on my consumer reports. -15 USC 1981b2, I have NOT given PRA written permmission to report to my consumer report. -18 USC 1028A, PRA engaged in AGGRAVATED IDENTITY THEFT PRA as of XX/XX/XXXX has NOT responded to any of the above violations and continue to report acct # XXXX to my consumer report. PRA is in violation of 12 CFR 1006.34C and 15 USC 1681. The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires PRA respond within 30 days of receipt of my dispute.
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately
Company Response:
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio calls me almost every day. Ive told them I have no money, no income, and to stop calling. They dont listen. They have called at XXXX and after XXXX which Ive requested they not do.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - I see PRA on my credit report and mail physical dispute letters to each of the credit bureaus. Each credit bureau removed this account due to lack of evidence. My letter entailed information detailing the following : Open Date Different across all 3 bureaus and did not match PRA Date Last Active Different across all 3 bureaus Account Type Different across all 3 bureaus Past Due Balance Different across all 3 bureaus : Payment Status Different across all 3 bureaus Date of Last Payment Different across all bureaus XX/XX/XXXX - I was served at my residence by Portfolio Recovery. XX/XX/XXXX - I go to court for this case. I am told I will go to mediation at a further date by the judge. XX/XX/XXXX - I went to meditation for this case which went to an impasse due to the attorneys rude demeanor towards me, which was recorded. During this time I attempted to show multiple documents that proved the lack of validation that was done on this debt. I was told to email the attorney on the case in reference to this case which I did the same day. XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " please confirm you received the paperwork that was filed with the court and that should have been served to you. It shows account ending in XXXX through XXXX opened in XXXX with an outstanding balance of {$1900.00}. A payment was made on XX/XX/XXXX. If you have information that is different than what I stated above? Please let me know so I can look into it and see what we can get resolved. '' XXXX - I emailed back the Associate Attorney of Portfolio Recovery stating " I am confirming that I received the paperwork that was filed with the court which has the information you stated. What I am not confirming is its accuracy nor validity. I have done my due diligence to confirm that all of my official credit reports show different information than what you have listed in reference to this alleged account with Portfolio Recovery. The account opening dates, account number, balance and last payment dates are different not just from the paperwork provided by Portfolio Recovery but also across all XXXX major credit bureaus. '' In this same email I stated " I would like to express my right through the original credit card agreement from the supposed original creditor, XXXX XXXX, and File a Motion to Compel Arbitration. Per their agreement this arbitration is to happen through XXXX. I have attached a copy of their credit card agreement with the XXXX Clause for your convenience. '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emailed me back " Can you please email me a copy of what you are seeing on your credit reports so we can see what you are referring to and the details associated with it, so we can review and investigate this matter? '' In response to this I provided XXXX attachments showing the inaccuracies with the account. XX/XX/XXXX - I email The Associate Attorney of Portfolio Recovery asking what the status is since is has been a week since our last correspondence. During this time I also expressed how upset I was that " Portfolio Recovery has had multiple opportunities to resolve this case via trial, credit disputes and letters requesting validation '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " It is still in the process of being investigated on our end, which takes some time. Meanwhile, I have gotten information that you will be receiving a form by mail to complete and send back to us, affirming the information you have told us. It is a necessary part of the process of the full investigation, and you should be receiving it shortly, so please look out for that. The department handling this matter has also informed me that in addition, if you have a police report, FTC listing our account or other supporting documentation, you can forward that to us for our review as well. '' XX/XX/XXXX - I confirm via email that I yet to receive the document via mail but would like to know the case status. XX/XX/XXXX - The Associate Attorney of Portfolio emails me back stating they sent it around the XXXX and that the case is still under investigation. XX/XX/XXXX - I email Portfolio Recovery stating I received the document and would fill it out within the upcoming week. XXXX The Associate Attorney of Portfolio Recovery emails me back stating " There is a hold on the file for the investigation and I believe they are awaiting your paperwork in order to proceed further with it. Feel free to call ( XXXX ) XXXX and ask to speak to the Disputes Department to get more updated information. '' XX/XX/XXXX - I call the XXXX number and speak to multiple people and they have no record of any corespondance I have had with the Associate Attorney nor the documents I provided via email over a month ago. I ask them what I should do next and if getting the Consumer Finance involved is the correct option and they hung up. I have yet to receive a call back.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A