Date Received: 2023-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, original creditor XXXX XXXX XXXX XXXX Unlicensed debt collector PORTFOLIO RECOV ASSOC I am writing to file a complaint against Portfolio Recov Assoc. This company is not licensed to collect debt in New York State, and they have been contacting me repeatedly about a debt that I do not owe. I have asked them to stop contacting me, but they have continued to do so. I am enclosing a copy of the letter from the New York State Department of Financial Services that confirms that Portfolio Recov Assoc is not licensed to collect debt in New York State. I am also enclosing a copy of my letter to Portfolio Recov Assoc asking them to stop contacting me. I believe that Portfolio Recov Assoc is violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Some of the specific violations that Portfolio Recov Assoc may be committing include : Contacting me about a debt that I do not owe Continuing to contact me after I have asked them to stop Failing to provide me with the required information about the debt Harassing or threatening me I would like the CFPB to investigate this matter and take appropriate action against Portfolio Recov Assoc. I believe that their actions are unfair and deceptive, and they are violating the law. Thank you for your time and consideration. Sincerely, [ XXXX XXXX ]
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 XXXX XXXX XXXX - {$4100.00} Account # XXXX - Portfolio Recovery Association {$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: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail stating I owed {$1200.00} from XXXX XXXX XXXX XXXX of which I have never had an account ever in my life. Portfolio Recovery Associates , LLC tried to collect my social security number without providing any information on the debt. I have a credit report that states no collection or debts from XXXX XXXX.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: the collection agency has engaged in false and misleading practices, violating FDCPA 807, and provided misleading forms, violating FDCPA 812
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ' With that being said, I am the Consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of each customer, given them the assurance of knowing that their personal information is securely protected and confidential concealed. It is my right to make sure that my private information has not been exposed and I am sure that 15 USC 6801 is backing me when it comes to making sure my personal is not vulnerable to the public. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. ( Furnisher of information to credit agencies ) 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), an consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencie XXXX and XXXX do not have my consent to furnish this information and they surey do have my consent in writing. ( Furnisher of information to credit agencies ) Any and all consent to XXXX, XXXX ( Furnisher of Information to credit agencies ) whether it be verbal, no-verbal, written or otherwise is to be revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public information to a non-affiliated third party unless the consumer has provided an explanation of how the consumer can exercise the non-disclosure option. '' ( Furnisher of information to credit agencies ) has never informed me in regard to my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 the reords of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reported again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states " 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 inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures that are designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' The credit reports, XXXX and XXXX, have the incorrect name. It is questioned whose information is reported on my report?
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried for over 2 years to have this company properly verify the debt without success. I requested my original contract with my alleged lender and proof to validate that they properly are authorized to collect on this alleged debt. No information was ever validated or received.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Portfolio Recovery associates have garnished and illegally accessed my life and personal life
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: They have violated my civil and human rights
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PORTFOLIO RECOVERY refuses to close out the account though it's been confirmed with XXXX that the account is too old to collect on. Because of that, XXXX has since confirmed that informed and moved forward. However, XXXX refuses to confirm it with the other two credit bureaus and will not respond to me on how to best move forward. I've also sent them a validation of debt fax twice, neither of which they have responded to.
Company Response:
State: PA
Zip: 15216
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A