Date Received: 2023-08-16
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: 33625
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received numerous calls and letters from Portfolio Recovery Associates. This is even after I demanded a cease and desist. I also found out by my credit report that they obtained a copy of my report via an inquiry on XX/XX/2022. I did not authorize this inquiry.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon receiving my credit report, I noticed some accounts that I didn't recognize ; XXXX XXXX XXXX being one of them. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Portfolio Recovery Associates is trying to pressure to collect on a debt from XXXX that his been discharged by the original debtor XXXX XXXX ( proof was provided by PRA that it has already been written off ) -they can not produce the documents to list/prove these are my debts and have sent me countless emails, calls and are currently taking me to court with an inflated amount that appears no where near the original credit limit I had with XXXX XXXXXXXX.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company is attempting to collect a debt not owed to them. I have tried to contact the company multiple times with failed attempted.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX Balance : {$610.00} Account Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$630.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} XX/XX/XXXX I called each bank and informed them that they accounts were not mine, but no action was taken. I am still being called about collections and late payments. This has been going on since XXXX and I am just now rectifying the situation. Don't be like me and think identity theft couldn't happen to you because it can.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XX/XX/2023, i sent Portfolio Recovery Associates a certified letter see attached, disputing their claim and requested validation of me owing them and my signature for their agency. I asked them if they were licensed in my state and they did not verify this information. On XX/XX/2023, i received a letter from Portfolio Recovery stating that my dispute was irrelevant. The letter stated that this is communication from a debt collector but is not an attempt to collect a debt, then why is it showing on my credit report?
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. I am not liable for this debt with XXXX XXXX Bank. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account name PORTFOLIO RECOVERY ASSOCIATES, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A