Date Received: 2023-08-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.
Company Response:
State: AR
Zip: 72120
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: 2023-08-29
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/29, XXXX from Portfolio Recovery called a Healthcare organization. I have asked debt collection services not to call this organization. Called three days in a row.
Company Response:
State: AR
Zip: 721XX
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: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Multiple requests have been sent to this company as well as Identity Theft Report What I requested again and did NOT receive : Please send me copies of the documents that you have in your files as of date that disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of verifiable proof within 30 days of receipt of this letter, you must remove these accounts from my credit report. What I received : Statements mailed A default judgment The documents received from Portfolio Recovery for the account opened in my name included statements and a judgment rendered without my knowledge. The date of this court document is in XXXX of 2019. I did not live at the address on the statement during that time period. This case was opened without my knowledge and consent as well as the account. I take identity theft very seriously and ask that again after multiple requests the original contract be provided or delete from my credit immediately. Attached : What was sent to me by Portfolio Recovery What I sent to XXXX Bank
Company Response:
State: TX
Zip: 76131
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: 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: 33607
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Portfolio Recov Assoc has stated that acct # XXXX, on my credit report, is an " OPEN '' / " INSTALLMENT ACCOUNT ''. This is inaccurate. If XXXX is the original creditor, and the debt was charged off ( as indicated ), then I have no account with this company, no installment account, and the status is closed. Portfolio Recov Assoc has stated per " No. of Months ( terms ) '', I have a XXXX month term ''. This is incorrect. What terms and agreements did I sign and agree with, when they purchased this debt? None! So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, clearly no payments past due to Portfolio Recov Assoc ) Portfolio Recov Assc has stated the date of last activity is XX/XX/XXXX and XX/XX/XXXX. This is a contradiction, and is also inaccurate.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Portfolio Recovery Agency ( PRA ) has been harassing me with frequent phone calls from a variety of XXXX numbers. I do not have outstanding debt and have never transacted business with this company, it is fraudulent and abusive.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Violation of 15 U.S. Code 1681 ( a ) ( 4 ) It is a fact that, in accordance with 15 U.S. Code 1681 ( a ) ( 4 ), the affiant is a consumer who has a right to privacy. By disclosing my personal information without obtaining my explicit written consent or following legal procedure, PORTFOLIO RECOVERY ASSOCIATES breached my right to privacy.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The collection agency, Portfolio Recovery Associates, has engaged in false and misleading practices violating FDCPA 807, and provided misleading forms violating FDCPA 812. Portfolio Recovery Associates are reporting 3 Accounts which have violated the FDCPA Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A