Date Received: 2023-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had requested letters from the bureaus and I have been ignored!!
Company Response:
State: TX
Zip: 78586
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested documents from the Bureaus, and i have been ignored!!
Company Response:
State: TX
Zip: 78586
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 Portfolio Recovery Associate, LLC Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter
Company Response:
State: CA
Zip: 958XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection notice from this collection agency which is unknown and what is weird they are not even license to collect in my state. I mailed a notice requesting validation and nothing has ever been received. I informed them in writing I am disputing this. Nothing has been received and I was just alerted now it is listed on my personal credit file. Please help
Company Response:
State: CA
Zip: 92544
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: 2023-09-12
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 disputed the account several times and have asked for statements from when the account was first opened up until how much the alleged balance on the account. I have not received requested.
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for the debts with XXXX or XXXX XXXX XXXX and do not have a contract with Portfolio Recovery. On XX/XX/XXXX, Portfolio Recovery began reporting a balance of {$620.00} on behalf of XXXXXXXX XXXX as an open balance on my credit reports with XXXX, XXXX and XXXX. I disputed the debt and asked them to validate the information they are reporting. They did not provide me with the original application like I asked or any signed contracts they claimed I have with this bank or their company. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$1100.00} for XXXX XXXX. I disputed this debt and do not acknowledge ownership of this account. I filed a dispute with the credit bureaus to resolve the issue and the account was not validated or removed. On XX/XX/XXXX ; Portfolio began reportion a balance of {$1100.00} on behalf of XXXXXXXX XXXX to my credit reports. At this point it seems that they are attempting to evade credit reporting laws and report duplicate accounts to my report without providing proof to the consumer. I disputed this account for ownership and somehow, the business was able to slip through the cracks and report the erroneous account regardless of ownership to my credit report for a third time with the same bank. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$670.00} for XXXX XXXXXXXX XXXX to my credit report. I have disputed the validity of this debt with XXXX through XXXX XXXX and the business stated that the information was accurate and the dispute was closed.
Company Response:
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/23, this debt collector claimed it would cease all communication of this allege debt but it is still reporting it on my credit report. This debt collector has repeatedly committed FDCPA violations and continues to do so.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have attempted multiples times with your company to get PORTFOLIO RECOVERY debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have attempted multiples times with your company to get XXXX XXXX debt removed from credit report. Debt is not validated, verified, or authorized by myself as the original creditor.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XX/XX/2023 I called Portfolio Recovery Associates and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XX/XX/XXXX.
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A