Date Received: 2023-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see attached documents. I have been trying to get XXXX to do a real investigation since XX/XX/2023. Please help me get results.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party Portfolio Recovery Associates 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. PRA conducted unreasonable investigation. Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response. PRA has continued violating the law through intimidation, deception, and illegal debt collection. PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. PRA conducted unreasonable investigation. Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response. PRA has continued violating the law through intimidation, deception, and illegal debt collection. PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a complaint against a collection agency that, to my knowledge, is not licensed in my state of residence, yet is attempting to collect a debt from me. The debt in question was originally from a bank and is now being managed by the collection agency. I have received numerous letters from this agency attempting to collect this debt, despite never having directly communicated with them or authorized them to collect any debts on my behalf. The date of last activity on this debt was XX/XX/XXXX, and it was reported on XX/XX/XXXX. Upon receiving the collection letters, I disputed the debt. The agency responded by sending documents claiming that the debt was mine, but they did not provide a contract with my signature or any concrete evidence proving that I owe this debt. Therefore, I believe this is an attempt to collect a debt that has not been properly validated. Moreover, I conducted research on a public licensing website and found that the collection agency is not licensed to collect debt in my state of residence. This leads me to believe that their attempts to collect this debt may be in violation of state regulations. I request that this matter be investigated and that the collection agency ceases all collection attempts until they can provide proper validation of the debt and obtain the necessary licensing to operate in my state.
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I settled with portfolio recoveries and they wrote a letter stating balance paid in full but yet still they continue to report wrong amount and input incorrect data
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act 15 USC 1681, 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any 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. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure 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 records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. Portfolio recovery knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. XXXX XXXX knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A