Date Received: 2023-09-14
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: This company was abusive to the collection of debt that has been cancelled by the creditor with a1099c I been asking for a copy for months never received one. They were mailing information to XXXX party family members addresses calling texting frequently on the same day. I loos my livelihood during Covid I was in XXXX XXXX in nyc and lost all 3 once my locations due to visitor restrictions
Company Response:
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I communicated that I'm a victim of identity theft. this collections account is not mines. I filed a FTC report number XXXX
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have called this company numerous times in the past month. I have asked for a partial Lien release and NO ONE will call me back or call the title company i gave the number and email to. I was told a lawyer would call me and nothing. Title company has called and she ( XXXX ) can not get any turn calls. They are breaking the law! My rights as an XXXX!! Its against a the law in Texas to place a lien on a XXXX! They will not correct the problem! This company is a joke and fraud!!!!!!!
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX sent a fraudulent debt to a collection agency, PORTFOLIO COLLECTIONS. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by XXXX XXXX that was sent also FRAUDULENTLY to PORTFOLIO COLLECTIONS who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both XXXX XXXX and portfolio collections in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements. XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: company is engage in Re-aging accounts that cause older negative accounts look more recent. both the original creditor or a debt collector can not re-age a negative account. this is a very serious violation of the FCRA Fair Credit Reporting Act
Company Response:
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. Account Information : PORTFOLIO RECOV ASSOC XXXX XXXX Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it. I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report. I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: portfolio recovery calls me every single day while I'm working as well as after, tried disputing with them and stated it was harassment, still continuing to call repeatedly. they even called my parents trying to reach me, they were never listed on the credit card that they purchased the collection account of.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates , LLC, XXXX XXXX Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The 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. You're currently using 0 % of your account 's limit. Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX You have 92 % left to pay on this student loan. Balance {$2200.00} Highest Balance $ 2455 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time. Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT PAYMENT XXXX. LATE PAYMENT XXXX LATE PAYMENT XXXX. LATE PAYMENT XXXX UNKNOWN PAYMENT Current. Late. Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Worst Payment Status. Current Account Details Account status Open Type Education Loan Responsibility Individual Account. Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Overview You have 92 % left to pay on this student loan. Balance {$8200.00} Highest Balance $ XXXX Monthly paymentNo Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CURRENT PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT Current. Late. Unknown Account Details Account statusOpen Type Education Loan Responsibility Individual Account. Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : 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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The 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. You're currently using 0 % of your account 's limit. Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : 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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A