Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This information and derogatory remarks has already been removed from my XXXX XXXX credit report, yet it still remains on my XXXX and XXXX. I demand that these be removed immediately because this reporting is incorrect. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account # XXXX Portfolio Recovery services opened XXXX- {$730.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions. 15 USC 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 16818-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Company Response:
State: NH
Zip: 030XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their response to a complaint and their credit reporting practices. I believe that PRA has not adhered to proper verification procedures as required by law and has reported inaccurate information to credit reporting agencies. Verification Procedures Issue : In response to a complaint, PRA stated that they had verified the accuracy of the information they furnished to consumer reporting agencies, but their response lacks transparency and does not clearly explain their verification process. They have not provided an affirmative averment of truth, as required by legal standards. Additionally, they did not detail the steps taken to verify the accuracy of the allegations in question. This lack of transparency raises concerns about the validity of their verification process. Inaccurate Reporting of Balance : PRA claims that the balance owed on the account is {$1000.00} ; however, they are reporting to credit reporting companies that the balance is {$1000.00}. This discrepancy of {$0.00} is significant and constitutes inaccurate reporting, which has had a detrimental and negative impact on my creditworthiness. I request that this inaccurate reporting be rectified and the record is removed from the credit reports.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I formally complained through CFPB on XX/XX/XXXX about Portfolio Recovery Associates. PRA responded back with a proverbial slap in the face. I never asked for financial assistance and then they sent me a letter an obvious form letter about how they were sorry to hear about my financial hardship with an application for assistance of some sort. They rebuttled my formal complaint by saying they found no evidence of abusive tactics or anything. Yes. Of course PRA would not admit they did something wrong if they did something wrong. And I think its getting harder for companies like this to find out the most legal ways to still be nasty. I do not believe they took my initial complaint into any consideration whatsoever. Also, in their response via CFPB to my complaint, they said that they are sending a letter. in the future tense on XX/XX/XXXX that would mean PRA is contradicting themselves. If they say they are ceasing all communications on XX/XX/XXXX regarding a certain account then they should definitely cease and not, in a future tense send the letter. But they did. The letter was dated XX/XX/2023 They sent it before they said they would do so in a future tense. They could have wrote we sent you a letter. The envelope had no post mark and arrived at my mailing address in Tennessee on the XXXX of XXXX. so I am unsure as to when the letter was actually generated and sent. And why?? I never asked for financial assistance. This is not treating me with dignity or respect and PRA say they are definitely committed to treating people with dignity and respect.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, I sent out a letter of validation of debt pursuant to 15 USC 1692 GB. Prior, I noticed a debt collection account was furnished on my report. I did not recognize this company, and I did not receive a model form b1 form pursuant to 12 CFR. 1006 Regulation F. I gave the company 30 days to validate the debt and now it's been more than 30 days, but no response. I tracked them and saw that my letter has been delivered to them. They ignored my letter and failed to delete the parked account off of my consumer report. They violated my consumer rights by failing to validate and prove that the debt belonged to me as well as furnishing incomplete information.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-08-27
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 was paid
Consumer Complaint: The XXXX XXXX XXXX sold my contract ( security ) to Portfolio Recovery Associates when the tender of payment was already received through discharge. 3-601. DISCHARGE AND EFFECT OF DISCHARGE. Primary tabs ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract. ( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge. 3-602. PAYMENT. ( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph. ( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to pay the note receives adequate notification of the transfer. ( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( XXXX ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument. ( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. 3-603. TENDER OF PAYMENT. Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. ( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. ( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. * XXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. XXXX Portfolio RC : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet Portfolio RC persists in reporting the collection stemming from it. * It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over 21.5 million stolen identities, as discussed. I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Social Security XXXX ( XXXX ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. * Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. * Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moving forward, I wish to address specific discrepancies related to certain accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$4500.00} or {$4500.00} ( discrepancy ). Repeated disputes have yielded no resolution, and I'm now considering legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. * Portfolio RC : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX ). The account by XXXX was deemed fraudulent and removed, yet Portfolio RC persists in reporting the collection stemming from it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXXXXXX XXXX is responsible for over XXXX XXXX stolen identities, as discussed. my credit monitor indentityiq informed me of such I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I keep receiving phone calls from portfolio recovery assoc. For a debt that was written off from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both companies write off the losses every year by XXXX of the XXXX t year. I have no indenture with portfolio recovery. The original debt was with XXXX XXXX and XXXX XXXX XXXX. Need these removed from my credit report and the calls to stop before I litigate.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: They have never spoken to me nor have verified with me that I owe debt and they have been contacting my employer at multi business locations trying to find me
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery has added an item on all three credit bureaus XXXX, XXXX and XXXX, without validating the debt. The debt is for {$1000.00}. According to the FDCRA I have the legal right to request validation of any debts I am claimed to owe. Portfolio Recovery has failed to do that.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A