Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates , LLC filed their claim for a XXXX XXXX XXXX XXXX credit debt against me stating the debt was Opened with XXXX XXXX on XX/XX/XXXX. This reported date is incorrect, the actual date XXXX XXXX XXXX XXXX reports is XX/XX/XXXX, see attached document. Portfolio Recovery Associates , LLC will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per XXXX XXXX XXXX XXXX. The date the debt became past due is greater than 4 years from the date Portfolio Recovery Associates , LLC filed their collection action per the XXXX statute of limitations. I have sent letters and left phone messages with no response. Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, Va XXXX Portfolio Recovery Associates , LLC is not licensed in XXXX as a debt collector.
Company Response:
State: CA
Zip: 95926
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery is on my report as a collection for XXXX XXXX in the amount of {$890.00}. The account type is an open account and I've requested over the past few years for them to send me documentation that this is my debt. The collection is showed as paying. The account was opened in 2018.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Portfolio Recovery has been contacting me at work and via my personal phone number. I explicitly instructed them to STOP contacting me. They have stopped contacting me at work, but recently began calling me on my personal phone. I have spoken to my XXXX XXXX XXXX attorney who filed my case that involved this debt over 13 years ago! The representative on the phone even stated, that, " due to the age of the debt, Portfolio Recovery will not sue you for the debt ''. They are openly violating Fair Debt Collection Laws.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Portfolio Recovery Associates was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX A debt is being reported under my name, and I have no idea of what XXXXXXXX XXXXXXXX is- I have not ever had a bank account with this bank or a XXXX XXXX credit card. My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX and XXXX XXXXXXXX XXXX thus this could have possibly contributed to someone having my personal information in which to open this account. However, I have requested a contract, or actual documents but again ; Portfolio Recovery Associates has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " PORTFOLIO RECOVERY open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX 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.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i dont know who was XXXX... i never heard XXXX... i dont owe this XXXX... i got a statement from Portfolio Recovery Associates , LLC. thanks
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Portfolio associates are harassing me in an attempt to collect a debt which they report on my credit report every month. The date that the account was open is incorrect and so is the amount. The company calls all types of times during the day and night. Its harassing and they make threatening remarks as well.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt. 15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation. These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dispute Center How it works File your dispute online If you see an account, a piece of personal info or a public record that's inaccurate or incomplete on your XXXX credit report, start a dispute online or by mail. We'll contact the data furnisher We'll review your documents, and see if we can resolve the issue. Get your results online You will be notified that the results are ready within 30 days* by email. XXXXXXXX days for XXXX residents See options for XXXX or visually impaired Dispute Center Get started Let 's get started by taking a look at your report. Completed Disputes XX/XX/XXXX Portfolio recov assoc XX/XX/XXXX Portfolio recov assoc Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. protection shield Protect my info Resources Owls branch DISPUTES Have questions? owl bubble Learn more about the dispute process and pick up tips for success. Learn more Dispute Guide Dispute FAQs Education freeze education thumbnail How Credit Report Disputes Affect Your Credit Filing a dispute to fix a credit report inaccuracy has no direct impact on credit, but some changes made in response to disputes can affect credit scores. freeze education thumbnail How Long Do Credit Report Disputes Take? Credit bureaus are legally required to finalize credit-report disputes within 30 days, but many inaccuracies can be fixed more quickly than that. freeze education thumbnail When to Dispute Credit Report Information Disputing credit report inaccuracies is quick and simple online, but you can avoid credit approval delays by giving yourself time to complete the process. freeze education thumbnail What Cant You Dispute on Your Credit Report? Most information on your credit reports can be disputed, but certain items are simply a matter of record and can not be disputed. Learn more. freeze education thumbnail Can Credit Report Disputes Lower Credit Scores? Disputing inaccurate credit report data has no direct effect on credit scores, but if a dispute leads to a data change, credit scores may shift accordingly. Report Number XXXX Date Generated XX/XX/XXXX PORTFOLIO RECOV ASSOC Account XXXX Updated Information on this item has been updated. Please review your report for the details. What if I disagree with the outcome of this dispute? Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report. Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons. Dispute Again With Additional Relevant Information If you have additional relevant information to substantiate your claim, you have a right to submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. File a Complaint You have a right to file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Still have questions? Our XXXX Dispute Specialists are available to assist you. When calling, use Report # XXXX. Customer Service Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2900.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ANSWERING A FINAL JUDGMENT ON A MOTION FOR WAGE GARNISHMENT ON XX/XX/ I SENT THE CHEK # XXXX FROM XXXX ON THE AMOUNT OF XXXX. THIS CHECK WAS SENT BY CERTIFY MAIL TO PORTFOLIO RECOVERY ASSOCIATES AND RECEIVED BY THEM AS I CAN SHOW COPIES OF IT. UNDERSTANDING THE WAY THINGS WORK, THE GARNISHEE WITHDRAWN FROM MY PAYMENT IN TWO PAYCHEKS THE AMOUNT OF XXXX. UNTILL, WE ASKED TO STOP SINCE WE SATISFY THE PLAINTIFF IN THE TOTAL AMOUNT OWE. AFTER SEVERAL PHONE CALL WE WERE PROMISED THE RETURN OF THE AMOUNT PAID IS EXCESS. ON XX/XX/ WE SENT A CERTIFY LETTER ASKING FOR THE RETURN OF THE AMOUNT THAT NOW OWE US. SINCE THAT DATE NO COMUNICATION, INFORMATION OR ANYTHING HAVE BEEN RECEIVED. ON XXXX XXXX WE SENT A CERTIFY LETTER TO THE OFFICE OF THE ATTORNEY GENERAL OF THE STATE OF FLORIDA ASKING FOR HELP IN THIS MATTER. AN EMAIL FROM XXXX XXXX FROM THE XXXX XXXX XXXX XXXX FROM THE ATTORNET GENERAL OFFICE RECOMEND TO CONTACT THE VIRGINIA ATTORNEY GENERAL SINCE THE COMPANY IS LOCATE IN THIS STATE.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A