JH Portfolio Debt Equities LLC

To whom it may concern: Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, USC 1692g Sec(b)The notice states that your claim is disputed and validation of the account is requiredThis notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA lawsI humbly request that your agency/office sends me valid proof that I am legally obligated to pay youPlease provide me with the below mentioned things: * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agentI would like to inform you that in case your agency has r

Unknown/unauthorized accounts in collection
I have two accounts that come up on my Credit report that I have no knowledge ofI did not apply for these accounts or use them in any way I have contacted portfolio and the three credit reporting agencies about these accounts on several occasionsI fully believe these to be fraudulent accounts and have informed them of such, yet they still remain on my credit reportWhy!?
-JHPRTFOLIO, account number amount owed $
-PORTFOLIO RC, account number: CAPITXXXXXXXXXXXXXX amount owed $

JH Portfolio placed a collections on my credit reportIssue was resolved with BOA as a fraudJH is not honoring the case and is still on my report
JH Portfolio placed a collections on my credit report that was confirmed Fraud by Bank of America I Contacted the bank and they sent me a letter verifying that the case was a fraudulent I faxed this paperwork over to them and JH confirmed receiving the fax For the next month I called to follow up with them and I had gotten a different answer each time I called as to why it hasn't been taken off my credit report I contacted Bank of America again for their assistance and they indicated that the letter would be sufficient evidence for the removal However JH Portfolio states that they have their own process, disregarding the letter, and that they would have to confirm themselves that it is in fact fraudulent Everytime I called them they said that my fraud case was pending but there is no update and they have not heard from BOA

JH Portfolio Debt Equities is in violation of section (c) of the Fair Credit Reporting ActSection 605(c) provides that the seven-year period for reporting accounts placed for collection, charged to profit or loss, or similar action by a creditor, 'shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.'Based on my records, the date of the commencement of delinquency is September In other words, the date that this account had its credit privileges revoked (credit line of ZERO) and/or when it was placed in Citi's internal collection department.The collection accounts is not allowed by law to be reported beyond years past

I received a letter a few days ago from JH Portfolio stating that I have a balance due of This debt was sold to a different creditor which a payment was made and the debt was settledThe company also sent over a email stating the debt has been settled JH Portfolio is now attempting to get more money that is not due after the account was sold and written off
Product_Or_Service: World Finance Cooperation
Account_Number: ***

My credit report shows a collection from JH Portfolio Debt Equities in the amount of $***I do not believe this debt is accurateUnder the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debtI contacted JH Portfolio Debt Equities via letters sent certified mail twice, on March and May 1, I have confirmation from USPS that both letters were receivedIn each of those letters, I asked for the following:'An explanation of what this alleged account balance is for'Show how they calculated this balance, including the complete payment history on this account, so I have proof that the amount is correct'Documentation that shows I agreed to pay this debt'The agreement that grants JH Portfolio Debt Equities the authority to collect on this alleged debt'A copy of their state license, including license numberI have not received any response from JH Portfolio Debt Equities and they are still reporting this erroneous information

I am objecting account number *** with JH Portfolio Debt Equities by reason of I have sent numerous dispute letters to the credit bureaus and it comes back verified every single timeThey are demanding that I owe $*** to CITIBANK N A on my credit reportI have contacted JH Portfolio Debt Equities to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act

I don't really know what this is and what's this regarding I just need someone to contact me and explain why was this on my credit so we can resolve t
Basically says I owe ***$ but I don't know what is itforbir it's listed on my credit and ITrying to see what is it

The basis for my dispute is " JH PORTFOLIO DEBT EQUITIES, Douglas *** Owner"1108P154..was required to notify me prior to 3/2/
The basis for my dispute is " JH PORTFOLIO DEBT EQUITIES, Douglas *** Owner"
1108P154..was required to notify me prior to 3/2/2015, or no later than days after furnishing the negative
information to credit bureau reports, in writing...under such section 623, subsection (7)(A)
However, in my records I am unable to locate documentation you complied with this requirement,
which is a violation of the FCRA & FDCPA
Also, JH PORTFOLIO DEBT EQUITIES, Douglas *** Owner failed to give me my "MiniMiranda"
five days prior to placing this derogatory item on all of my credit reports, per Section
807(11) & FDCPA 809, which is $per violation and the state of TX allows treble damages
Under Validations of date and Mini-Mirandi under Section 807(1) JH PORTFOLIO DEBT
EQUITIES, Douglas *** Owner failed to send me my initial commu

I have contacted the above company in regards to an account in my credit file.This company has harmed my credit rating while showing willful attempt ton many occasionsThis company has been asked to provide proof of a contract between myself and the above company listed, they have fetuses to send any signed contract , but they continue to harm my credit rating by reporting to the credit reporting agency that this debt is mineThis violates the laws of the FACTS, FDCPA, and as a consumer we cannot let these collection display this type of deceptive behaviour toward consumers

The basis for my dispute is " JH PORTFOLIO DEBT EQUITIES, *** *** Owner" 1122P179***was required to notify me prior to 10/15/
The basis for my dispute is " JH PORTFOLIO DEBT EQUITIES, *** *** Owner"
1122P179*** was required to notify me prior to 10/15/2015, or no later than days after furnishing the negative information to credit bureau reports, in writing...under such section 623, subsection (7)(A)
However, in my records I am unable to locate documentation you complied with this requirement,
which is a violation of the FCRA & FDCPA
Also, JH PORTFOLIO DEBT EQUITIES, *** *** Owner failed to give me my "MiniMiranda"
five days prior to placing this derogatory item on all of my credit reports, per Section
XXX(XX) & FDCPA 809, which is $per violation and the state of TX allows treble damages
Under Validations of date and Mini-Mirandi under Section XXX(X) JH PORTFOLIO DEBT
EQUITIES, *** *** Owner failed to send me my init

JH Portfolio is unlawfully trying to collect on a debt which I was never properly notifiedThey are also negatively reporting that information to the credit bureausI recently received a letter they sent me and never received this type of information beforeI have filed a complaint with CFPB within the information and JH portfolio response was not truthfulThey have never sent me and type of Validation of said debt

The JH Portfolio has sold my credit card account to Credit Control LLC and account has been settled on 08/08/They are still reporting this account in collections under their name
Product_Or_Service: Debt Collections

I want my credit report corrected and the erroneous charges removed
This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of $*** with Transunion, Experian, & Equifax credit reporting agenciesI am requesting verification of the debt, account, and for the business to provide adequate proofConsidering this business does not have a contract with me for goods or services they have provided

This company keeps trying to collect a debt that does not belong to me I also do not have a contract with this debt collection company and would like this account removed from my equifax and transunion report

This compay is illegally reporting debts as open collection accounts on two year old discharged in chapter bankruptcy debts
When I confronted them they immediately said oh yes I see where it was included in bankruptcyThen told me it would be fixed I have called months and months later still showing debt as pen collection

Dispute won, Put on credit under different account number
I had no knowledge this was on my report until I went to purchase a vehicleMy original loan was with World FinanceThis company has hit my credit MULTIPLE times for the same debt that I was all paid back in It keeps showing up under different account numbersThis was disputed when I noticed it and it has been removed my my transunion report but not my equifax

Requesting original documents or removal of report
I am asking for all the original account holder info and letter of assignment and legal proof of ownership, legal right to collect and reportI have sent a letter to FDCPA to cease and desist and I want the account deleted for noncompliance to FCRA sec 623, 605, XXX XXX XXX

Collecting an invalid debt
JH is collecting a debt that Sychrony bank found to not be mineI have a letter from Sychront dated 5/15/stating the same

Bogus charge added to my credit reports
This company has added a derogatory amount of $to all three credit agenciesThey have been contacted by me and my lawyer already once about it back in I only noticed they added the charges yet again in 2015, which dropped my credit score significantlyThey list their company address from different locations and list Phantom Drive as a mailing address