Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio Recovery Associates continues to damage my credit with false information on my credit report. I have disputed the information multiple times and receive the same generic response. " The information is verified and meets fcra requirements. '' I paid this bottom feeder company thousands of dollars and yet they still ruin my credit. Still reporting false information to XXXX. Please investigate this ruthless company that preys on the weak and the poor.
Company Response:
State: VA
Zip: 24401
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Portfolio recovery services refuses to provide me with debt validation letter stating its last 30 days I dont remember receiving anything from them on this debt. And to my recollection dont owe this debt and have continued to call over debt after stating they wouldnt send letter
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They have been calling several times a week since XXXX with different caller ids. Not sure if they even own this debt. Never sent proof of ownership.
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery recently has been calling me and mailing letters to my mothers address regarding a debt from XXXX XXXX. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I do not owe the alleged debt and have no knowledge of this alleged debt. They have not provided me with original copy of written contract with wet ink.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My reports continue to lie to a collection agency that collects a debt that does not belong to me regarding XXXX XXXX, to date I have not received the requested documentation on the validation of the debt and my requests to the credit agencies for investigation and correction have been ignored maintaining debt that affects my ability to acquire new credit
Company Response:
State: OH
Zip: 44052
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Portfolio RC XXXX XXXX This account was settled for less than the balance. The company updated the comments to show paid in full for less than the full balance but updated the actual balance to show the amount they discounted as due. This is preventing me from being able to purchase my home. I have requested for them to update to the actual balance and have no responses. I need this account to show the correct balance of XXXX.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio RC XXXX ACCOUNT - XXXX The account balance reporting is {$120.00}. This account has been settled for less and the actual balance is {$0.00}
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Portfolio Recovery Associates does not have a license to legally collect debt from me or anyone else. The debt I am accused of owing is not mine and I have no knowledge of it. I have asked them to remove and delete this from my credit report many times. They have sent someone to my home many times to try and serve me papers to sue, the papers were never handed to me directly. The person who delivered it left it on my front door 's gate and walked away. I don't appreciate the harrastment that Portfolio Recovery Associates have done, from excessive phone calls to someone showing up to my house countless of times after they were asked not to come back. I don't not owe this debt I am accused of. I would like the CFPB to please assist so that I am treated fairly and have the debt deleted from my credit report for good. Portfolio Recovery Associates does not legally have a license to collect debt from anyone.
Company Response:
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A