Consumer complaint received 2020-12-17
Company: Global Portfolio Recovery, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
reporting the account XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$650.00} ) incorrectly. I am not familiar with the original creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX, I dont know who XXXX XXXX is, I do not have a contract with them. I request XXXX XXXX to send me the actual application or the signed contract that was filled out when the account was opened or its needs to be removed immediately because this is not reported accurately. XXXX XXXX XXXX has responded with a frivolous verification of bill, reflecting invalid name ( XXXX XXXX ), incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX.I dont recall having such Balance amount as the one of {$650.00} or {$590.00} with XXXX XXXX XXXX XXXX XXXX XXXX XXXX this agency is reporting. They have not validated this debt upon request. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. 

The account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$660.00} ) is reported incorrectly as well. I do not know about the company presented in this account. I recall this original creditor 12 XXXX XXXX XXXX XXXX XXXX being closed NOT BEING ABLE TO VALIDATE THIS ACCONT BELONG TO ME. I also do not agree with the Balance of {$660.00}. XXXX XXXX XXXX is saying I'm responsible for, they has responded with a frivolous verification of bill, reflecting invalid name ( XXXX XXXX ), incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, I do not have a contract with this agency. They have not validated this debt Upon request, Due to that, I dispute this account and I request it be removed, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened, its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. 

You provided incorrect statements for the account XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$390.00} XXXX. I dont recognize the original creditor 12 XXXX XXXX XXXX XXXX and I am not aware of the agency stated by you. I do not agree with the Balance of {$390.00}. I dont have a contract with this agency. XXXX XXXX XXXX has responded with a frivolous verification of bill, reflecting invalid name ( XXXX XXXX ), incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, They have not validated this debt upon request. Consequently, I dispute the account and I ask for it to be removed immediately, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened. its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
1. NO proof has been shown from XXXX XXXX XXXX and XXXX XXXX XXXX in writing, has not provided full payment history including fees being added to debt and or how they calculated their fees. Only frivolous bills statements in a name closely that resembles my legal name, and address that I havent resided at. Under the FDCPA, I have the right to request that they prove I am indeed the party who is contractually obligated to pay off this debt. 
2. has not attach agreements with client that authorizes them to collect on this alleged debt. Has not provided agreement that bears signature of the alleged debtor where he promises to pay the original creditor, complete payment history on these accounts to prove that the amount you wish to collect is accurate. 
3. these agencies listed above have violated the FDCPA. Should not report any negative entry to Credit reporting Agencies and have not validated this debt and proved it belongs to me. 
validation of debt request were sent out XX/XX/XXXX and these agencies did not validate with any proof, and are continuing to report on my credit.

Company response to consumer: Untimely response