Date Received: 2023-10-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Company sent settlement form with an amount to be paid of {$220.00}. Form says it will reflect on my credit report as paid in full but that is not acceptable.
Company Response:
State: GA
Zip: 30188
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: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing to formally file a complaint against Portfolio Recovery for their erroneous and, in my view, malicious handling of an account originally held with XXXX. I believe the conduct of Portfolio Recovery not only tarnished my reputation but also violated the guidance and directives given by the Consumer Financial Protection Bureau ( CFPB ) to debt sellers and collectors. To provide a comprehensive context : Timeline & Details of Debt Sale : In XXXX, the CFPB directed XXXX to cease selling debt that it could not validate and to ensure that the debt it sells is documented accurately. Subsequently, in XXXX, a debt amounting to $ XXXXwhich does not align with my recordswas sold to Portfolio Recovery. I was made aware of it by a phone call from one of their reps in XX/XX/XXXX. I promptly requested debt validation. In response, I was merely provided with a letter stating the amount owed and two ambiguous statements without any transaction history. This does not constitute adequate validation. Additionally, Instead of properly addressing my concerns, Portfolio Recovery simply annotated " consumer disagrees '' on my credit file. Now comes the litigation without notification. I'm currently seeking a change in employment and found out as I was searching my online reputation that without providing prior notification to me, Portfolio Recovery filed a lawsuit in the XXXX XXXX, NJ courts on XX/XX/XXXX. I have the docket number and it was initiated by their lawyer XXXX XXXX. I was never formally served for this lawsuit. The records indicate that the courts reached out to Portfolio Recovery nearly a year later due to inaction on their part. In response, they filed a dismissal without prejudice. Not only should that lawsuit never have been filed and become part of my public record, but when they dropped it they should have dropped with WITH prejudice, given they clearly lack any evidence to ever follow through, and not without prejudice. Based on what I've read in consumer rights, this is a violation of CFPB directives. The behavior of Portfolio Recovery mirrors the scenario highlighted in a recent reprimand earlier this year where they were found to be initiating lawsuits without producing required documents and without appropriate follow-through. Consequently, this record is publicly accessible and adversely affects my personal and professional reputation. So, now, not only is my credit record stained by this, now anytime someone googles me or does a reputation search for me it shows up and is tainted as well. In closing, I hope the CFPB can take action to address this significant oversight by Portfolio Recovery. Thank you for your time and attention to this pressing matter.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I never did business with Portfolio Recovery Associates LLC but they reported a debt to all three credit agencies XXXX, XXXX, and XXXX. This company reported a debt of {$620.00} with an account # of XXXX on XX/XX/2021. The original creditor was XXXX XXXX XXXX I never received any notification that this debt was owed and want it to be removed as soon as possible. I tried disputing this debt with all three credit agencies, Portfolio Recovery Associates LLC and XXXX XXXX XXXX but all was just a waste of time and nothing was resolved.
Company Response:
State: VA
Zip: 23231
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: they contact me once a week and constantly harass me after i explain to them it was fraud i was incarcerated during the time period
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio recovery called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL " [ XXXX XXXX ] LAST REPORTED DATE XX/XX/XXXX { REMARKS ON THE XXXX XXXXXXXX ACCOUNT NEED TO REMOVED & UPDATED } ''. " [ DEPT OF ED / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXXXXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ PORTFOLIO RECOVERY ] LAST REPORTED XX/XX/XXXX. I dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine. PORTFOLIO RECOVERY ASSOCIATION.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C They have sent me written letter which is also a violation of my rights. Resolution is for Portfolio Recovery Associates , LLC to remove any reporting to all 3 credit agencies.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested a VALIDATION OF DEBT and proof of wet ink signature on contract and was never provided the requested documents from Debt Collector. The Alleged Original Debt is in the amount of {$2400.00} but Debt Collector is reporting to : XXXX AND XXXX that amount of alleged debt is {$2400.00} which is a violation of FAIR DEBT COLLECTION PRACTICES ACT SECTIONS 807 " FALSE AND MISLEADING REPRESENTATIONS '', 808 " UNFAIR PRACTICES ''
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A