Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. Mortgages In accordance with fair credit report act, this creditor has violated my rights.Under Section 1681s-2 of the 15 USC ( United States Code ) contains provisions related to the responsibilities of furnishers of information to consumer reporting agencies, including mortgage lenders who report payment information on mortgages. the creditor is prohibited from providing information about my account without my written consent.Subsection ( a ) ( 1 ) ( C ) ( i ) of Section 1681s-2 specifically requires furnishers of information to report the date of delinquency on any account that is delinquent, including mortgages, to consumer reporting agencies. Subsection ( b ) of Section 1681s-2 outlines the responsibilities of furnishers of information to investigate disputes received from consumers and correct any inaccurate or incomplete information. This can include correcting the reporting of late payments on mortgages if they were reported in error. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan. There are several sections within the 15 USC ( United States Code ) and other laws that prohibit creditors and furnishers from posting late bills or reporting inaccurate information to consumer reporting agencies. Some of these sections include : Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to consumer reporting agencies report complete and accurate information, and correct any inaccurate information upon notice of a dispute. Section 1681c of the FCRA, which limits the types of information that can be included in a consumer report, and requires that the information reported is fair, accurate, and relevant. Section 1666i of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance. Section 804 of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements in connection with the collection of a debt.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have it removed off my XXXX report I want it off the rest report, they have harassed me with phone calls constantly every day and night I even tried to settle 3 times one day they refused it every time,
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was already paid
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing this letter in response to the court summons served to my family on XX/XX/2023. I was appalled to learn that the summons was handed to my XXXX son, causing him undue stress and XXXX, as well as causing embarrassment to me and my family. I want to make it clear that such conduct is unacceptable and likely constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as other state and federal laws that protect consumers from harassment and unfair practices. Firstly, I request the immediate removal of the collection related to this account from all credit bureaus and revocation of the court threats. Failure to comply could result in legal repercussions, including but not limited to lawsuits, and reporting of the violation to regulatory authorities. Secondly, I demand a formal, written apology to me and my family for the emotional distress and embarrassment caused by the inappropriate delivery of the court summons to a minor child. Lastly, I insist upon receiving competent evidence of the alleged debt and my contractual obligation in relation to the tradeline in question. According to Section 809 of the FDCPA, I have the right to request the validation of the debt. Until such validation is provided, you should not continue any collection activities related to this account. If you fail to provide competent evidence of my obligation to this debt, cease and desist all collection activities immediately, including reporting the debt to any credit bureaus. Please treat this letter as an immediate request for action, and confirm your compliance within 15 days of receipt of this letter. Failure to comply will result in me taking legal action to protect my rights.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, i do not have a contract with portfolio recovery associates llc, they did not provide me with the original signed contract as requested!,
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been called multiple times from different phone numbers matching my area code, usually in the XXXX hours ( after XXXX ). When I call back, I am told that it is Portfolio Recovery. I do not owe any debts, and if I did, I wish to be notified in writing. When I pick up the phone, there is no answer whatsoever, for around 30 seconds and then they hang up. I am only aware that this is Portfolio Recovery because when I call them back, it goes to an automated system saying their address and information. This seems like an automated robocall. I have been added to the Do Not Call list. Obviously, without a way to be taken off of the list since no representative ever answers, I can not do anything and the calls come at very inconvenient times.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I do not have any connection to this company at all. I have never owed this company anything. I have never agreed to or signed anything with this company ever. I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: COMPANY PORTFOLIO XXXXXXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION, ON XX/XX/XXXX IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. PORTFOLIO XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT. -TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO XXXX XXXX .
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A