Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMPANY PORTFOLIO RECOV ASSOCXXXXXXXX XXXX XXXX XXXX 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 RECOV ASSOC/SYNCHRONY BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. PORTFOLIO RECOV ASSOCXXXXXXXX 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 RECOV ASSOC/XXXX 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
Date Received: 2023-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Portfolio Recovery Associates LLC have filed suit and took legal action without providing me with documentation of original debt baring my signature and companies that where the original debt came from. They have not contacted me, nor was I notified me of any debt and portfolio has filed suit against me.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: 347XX
Submitted Via: Web
Date Sent: 2023-08-31
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: Subject : Notice of Dispute and Pre-Arbitration Demand To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account numbers XXXX and XXXX, which Portfolio Recovery Associates claims I owe, purportedly acquired from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. This dispute is grounded in the fact that by acquiring this debt, Portfolio Recovery Associates is now subject to the arbitration agreement delineated in the XXXX XXXX credit card agreement, which governs this matter. As stipulated in the arbitration agreement, any disputes arising from this debt are to be resolved through arbitration. I am fully cognizant that the initiation of arbitration can result in substantial costs, and I am prepared to invoke this option should an amicable resolution not be achieved promptly. I am aware that Portfolio Recovery Associates purchased this debt at a significantly reduced value. Given this context, I propose an opportunity for you to resolve this matter without resorting to arbitration. To facilitate an amicable resolution and circumvent the considerable arbitration costs that would be incurred, I present the following terms for your consideration : XXXX. Payment of {$5000.00} : In recognition of the emotional distress, anxiety, and financial hardship engendered by this situation, I request a payment of {$5000.00}. This sum is intended to compensate for the adversity I have endured due to this alleged debt. 2. Removal of Tradeline : Following the receipt of the aforementioned payment, I insist that Portfolio Recovery Associates expeditiously expunge and eliminate all detrimental trade lines associated with these account numbers from each credit reporting agency where they have been reported. This measure is imperative for reinstating my creditworthiness and mitigating further harm. I believe these terms are just and equitable, taking into account the circumstances. I am amenable to discussing a potential resolution within these parameters. Nonetheless, please be apprised that if a mutual agreement is not reached within 14 days from the date of this letter, I will proceed with the initiation of arbitration, as prescribed by the terms of the XXXX XXXX credit card agreement. I anticipate your adherence to the urgency and gravity of this matter. I await your written response within the stipulated time frame of 14 days from the date of this letter. To discuss this matter further, you can contact me via email at XXXX. Thank you for your expeditious attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX There are XXXX companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Repeatedly calling my phone and now calling my relatives and telling them I have debt. I have requested that they DO NOT CALL, however, they continue to do so and now are calling other people asking questions about me. I do not owe them any money and I want them to cease and desist calling me or people I know. They are annoying and harrassing me and must stop calling.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I mailed a letter to Portfolio Recovery Associates LLC requesting full debt validation of the alleged debt in question via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my letter on XX/XX/2023. After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my second letter on XX/XX/2023. Portfolio Recovery Associates LLC sent a copy of a statement that did not look authentic, stating that it was a copy from the original creditor, and that I owe the alleged debt. I mailed my third letter to Portfolio Recovery Associates LLC on XX/XX/2023 via Certified Mail, advising that I have previously sent them a request to fully validate the alleged debt in question under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. I stated in my letter that this does not meet the Federal Trade Commission 's guidelines of what constitutes as proper debt validation, in accordance, the case of XXXX XXXX XXXXXXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ). Portfolio Recovery Associates LLC received my letter on XX/XX/2023. After waiting for an additional 30+ days for Portfolio Recovery Associates LLC to properly validate the debt, Portfolio Recovery Associates LLC failed to send their response. I mailed my last letter, requesting Portfolio Recovery Associates LLC to remove the alleged debt in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail. Portfolio Recovery Associates LLC sent a letter on XX/XX/2023, refusing to validate the debt in question. I made a final attempt to correct the matter by contacting the original creditor that was listed on Portfolio Recovery Associates LLC last letter dated XX/XX/2023, XXXX XXXX. I spoke to a representative by the name XXXX on XX/XX/2023 at XXXX, requesting to provide any information on the alleged account in question. She stated that there was no information on file that was linked to the account number listed on the notice that I received from Portfolio Recovery Associates LLC. She also mentioned that there wasn't any payment history when she searched their databases with my social security number and address. Under the laws of the FDCPA, I have contacted the collection agency and original creditor myself and have been unable to get them to verify the alleged debt. I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Portfolio Recovery Associates LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant emotional and financial distress. I do not know who Portfolio Recovery Associates LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: " I, XXXX XXXX, am writing to express my concern about the actions of PORTFOLIO RECOVERY. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give PORTFOLIO RECOVERY permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that PORTFOLIO RECOVERY is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that PORTFOLIO RECOVERY remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2022 Wrote company to provide original agreement that was provided to them and to remove this from my report regarding information hitting my credit score did not send agreement still receiving letter 2 years later
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A