Date Received: 2023-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending XXXX statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery Associates has been reporting an amount of {$400.00} to XXXX consumer reporting agency claiming that I owe this money. This company has refused to provide any information of a contract with my wet ink signature that shows me doing any business with them. Portfolio Recovery Associates was just fined for their illegal practices XXXX of this year. This company continues to violate my rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Portfolio Recovery Services has stolen my identity there has been no written consent to use any of my personal information.18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. This is the law that was written by congress to protect me the consumer.
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnishers of information to credit agencies ) is a financial institution by definition under the title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of Information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX, XXXX do not have my written consent. In addition, I the consumer have protection under the following 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681o-Civil Liability for negligent noncompliance 15 U.S. Code 1681n-Civil Liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the CONSUMER as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least {$1000.00} PER VIOLTION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. If you have to file more than 1 complaint of the violations after you complained the 1st time. The above Fair Credit Reporting Act is just a small fraction of the violations against I the consumer. All the violations above are currently on my credit report and have not been removed to date. I am requesting enforcement of these violations. I have sustained emotional distress, anxiety, and a considerable amount of stress due to the negligence of the reporting agencies XXXX XXXX and XXXX. I have also suffered significant financial lost due to the continued violations of my rights under the FCRA after informing in writing certified return receipt XXXX, XXXX, and XXXX of these violations. They are still reporting these inaccuracies. On XX/XX/XXXX three dispute letters requesting removal of incorrect reporting information was sent out via US Postal Service Certified Mail Receipt to XXXX which I will attach. In addition dispute letters was sent to XXXX XXXX XXXX on XXXX, Portfolio Recovery on XXXX, and XXXX XXXX XXXX XXXX on XXXX. These companies are in violation of my rights listed above. These item are presently still reporting to XXXX. I demand they be removed. I also demand under 15 US Code 1681 compensation for will full non compliance {$1000.00} for each violation in addition to {$1000.00} for all damages I have sustained as a result of their failure to follow the law. I have enclosed a invoice with all violations and compensation required. I appreciate your help in this matter and would like this resolved as soon as possible. The willfull act of the parties above caused severe stress and financial lost that is still consistent present day.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Wont stop calling about a debt that was in 2017 should be off credit report. They keep XXXX me.
Company Response:
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX $ balance should have never been reported. This amount was paid 3 years ago.
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I received a legal document in the mail today XX/XX/XXXX from Portfolio recovery associates stating that they had reached out to my previous employer regarding garnishment of wages. This is from credit card debt from XXXX. When I called the phone number given, I was told they could not assist me nor give me contact information regarding any questions about this matter. This company has in the passed contacted friends of mine regarding this as well. This debt is due to a document chronic illness I had going back to XXXX. I am extremely concerned about any passed or future employment I may have since I am currently seeking employment. I currently have no income to support myself or my child.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio Recovery is attempting to collect an alleged debt not due. Portfolio Recovery has no contract between I and them to enforce performance. The original creditor of the account has accepted settlement of the debt.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
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: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: 33614
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A