CFPB Complaint

PORTFOLIO RECOVERY ASSOCIATES INC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-08T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that ” this is not an attempt to collect a debt ”, yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone’s last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!

Company: PORTFOLIO RECOVERY ASSOCIATES INC

State/Zip: TX 773XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3069891

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