Who Is 8175852091 (+ How Are They Hurting My Credit Score)

If you receive a call from 817-585-2091, it may be from Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam. Do not engage with the caller until you verify the details.

Here's what you should do:
• Pull your credit report and analyze it for any inaccurate negative items.
• If this number appears as a collection/negative item, it might be legitimate. However, still avoid responding immediately.
• Contact The Credit Pros to verify any debt, dispute inaccuracies, and improve your financial situation.

Remember, you need to stay cautious and verify everything first. To sum up, avoid engaging with unknown callers, check your credit report, and consult The Credit Pros for accurate verification and dispute resolution.

If 8175852091 is harassing you, here's how to report and stop them:

First, document all unwanted interactions. Keep a detailed log with dates, times, and any abusive language used. Register your number at DoNotCall.gov, and block the number through your phone's blocking feature or by contacting your service provider for assistance.

Next, report the harassment to authorities:
• File a complaint with the FCC at fcc.gov/complaints.
• Report telemarketing issues to the FTC at ReportFraud.ftc.gov and unwanted calls at DoNotCall.gov.
• Submit a complaint to the CFPB online at consumerfinance.gov/complaint or by calling (855) 411-2372.

You can also use call-blocking apps such as 'Call Blocker - Stop spam calls' for Android or 'RoboKiller: Spam Call Blocker' for Apple devices.

If the problem persists, consider taking escalating measures:
• Send a cease and desist letter using a template from eforms.com/cease-and-desist.
• Consult with a lawyer about possibly obtaining a restraining order if the calls continue or threats escalate.

Contact your phone carrier to learn more about their call-blocking tools and options. Additionally, if you use Nomorobo, report unwanted robocalls directly through their service. Don't forget to check with your local or state consumer protection office for more resources.

To wrap things up, document all interactions, block the number, report it to the appropriate authorities, and consider additional legal measures if necessary. By following these steps, you can effectively handle and report the harassment from 8175852091.

You should block 8175852091. Ignoring the number might lead to repeated calls, causing annoyance and stress. Blocking the number eliminates this inconvenience. If the number belongs to a debt collector like Portfolio Recovery Associates and they are harassing you, blocking them is a wise choice.

Blocking the number won't affect your credit score. If the debt is already on your credit report, blocking the number won't have any further impact on your score. You should work with a reputable credit repair company to address any inaccuracies on your report and help remove this negative item.

Here's what we advise you to do:

• Block 8175852091 to stop the calls.
• Remember, blocking won't harm your credit score.
• Work with a reliable credit repair company to handle disputes or inaccuracies on your report.

In the end, blocking unwanted calls can reduce your stress and help you manage your financial situation better.

Yes, a debt collector like 8175852091 can sue you, but it's very unlikely. Typically, suing is a last resort and usually happens only if the amount owed is substantial (generally over $5,000).

• Proof of Debt: The collector must prove that you owe the debt, the amount is correct, and they have the legal right to sue. This process can be difficult if the debt has changed hands multiple times.

• Cost and Effort: Lawsuits are expensive and time-consuming. Collectors often prefer to avoid these costs by settling out of court.

• Statute of Limitations: Each state has a specific time limit within which they can sue. If your debt is old, it might be beyond this period, making a lawsuit less likely.

If they decide to sue, you'll receive a court summons and complaint. You must respond within the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. If you receive a lawsuit, we advise you to consult with an attorney to understand your options and defenses.

As a final point – yes, a debt collector like 8175852091 can sue you, but it’s rare. You should ensure the debt is valid, consider the cost and effort involved, and check the statute of limitations. If you are sued, respond promptly and seek legal advice to protect yourself.

Don't give any personal info to callers from 8175852091. They might have your personal information and be debt collectors like Portfolio Recovery Associates. It's crucial that you don't engage with them over the phone. If you ignore them, you might receive continuous calls that disrupt your day. Instead, here’s what we advise you to do:

First, get your credit report from all three major bureaus. This allows you to see where you stand and start making a plan to resolve any issues. Consider blocking the number to reduce stress and minimize disruptions.

Working with a reputable credit repair company can be a smart move. They can help you handle inaccuracies and disputes on your credit report. Often, they have more experience dealing with these companies, making the process smoother for you.

Bringing it all together, avoid giving out personal info, block the number, get your 3-bureau credit report, and consider working with a reputable credit repair company. This approach empowers you to address your credit issues effectively and with confidence.

If 8175852091 contacts you, it means Portfolio Recovery Associates is attempting to collect a debt. They typically collect:

• Credit card debt
• Personal loans
• Utility bills
• Medical bills

Portfolio Recovery Associates may also buy debt from major creditors, although specific brands aren't listed. If you receive a call, they are likely collecting one of these types of debts.

All things considered, Portfolio Recovery Associates collects various debts like credit card and medical bills, so knowing this can help you manage their calls effectively.

If you need to check if you owe money to 8175852091, avoid calling the number directly. Instead, start by reviewing your financial records, such as final bills or account statements, to see if there's a debt you forgot about. Then, check your credit report for any debts listed under this number. If you find a related debt, request validation from the collection agency to confirm it is legitimate.

Be wary of potential scams. Legitimate debt collectors will have detailed information about your debt, whereas scammers often lack this information and may pressure you for quick payments through untraceable methods like gift cards. If a collector refuses to provide company details, it's another red flag.

Ensure you gather all necessary documentation from your records and credit reports before contacting any collectors. If you feel harassed or need help disputing a debt, consider speaking with a consumer protection lawyer.

Lastly, make sure you avoid scams by not providing personal information over the phone, checking your records thoroughly, and requesting official debt validation.

The debt collection laws and regulations that protect you from 8175852091 include:

1. Fair Debt Collection Practices Act (FDCPA):
- Prohibitions:
- Debt collectors can't use abusive, deceptive, or unfair practices.
- They can't contact you before 8 AM or after 9 PM.
- No contacting you at work if your employer prohibits it.
- Threats, harassment, and false representations are banned.
- They can't disclose your debt to third parties.
- Demanding more money than legally allowed is illegal.
- Requirements:
- They must send a validation notice detailing the debt.
- If you dispute the debt in writing within 30 days, they must provide verification.
- They must disclose that their communication is an attempt to collect a debt.
- Your Rights:
- You can ask them to stop contacting you in writing.
- If you have an attorney, they must communicate only with your attorney.
- You can sue for FDCPA violations within a year and recover damages.

2. State Debt Collection Laws:
- Some states offer additional protections, such as requiring debt collectors to be licensed.

Remember, debt collectors can't intimidate you or lie about their actions. If you suspect a scam, don't respond. Report it to the FTC, CFPB, or your state attorney general.

Finally, know your rights under the FDCPA and state laws to protect yourself from unfair practices and report any suspicious activity immediately.

Yes, Portfolio Recovery Associates has faced multiple lawsuits and official complaints.

If you are dealing with Portfolio Recovery Associates, you should know there are significant lawsuits against them. The Consumer Financial Protection Bureau (CFPB) filed a lawsuit in 2015 and again in 2023, accusing the company of unethical debt collection practices such as suing without proper documentation, collecting unsubstantiated debts, and pursuing time-barred debts. They were ordered to pay over $24 million in penalties and restitution.

You should also note that thousands of consumer complaints have been lodged against the company for aggressive and occasionally illegal debt collection tactics. These complaints also highlight violations of multiple regulations, including the Consumer Financial Protection Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act.

In closing, Portfolio Recovery Associates has been repeatedly penalized for unethical debt collection practices, so it's crucial for you to know your rights and demand proper debt verification if you are contacted by them.

People online have shared various experiences about the phone number 8175852091.

You might find it on the FTC DNC Spamlist, where one investigator noted it as a 'Silent call' and a 'Ping Call Dropped call or no message received' in Murrieta, California.

One user on Nomorobo shared, 'I absolutely love it!!!! Being a senior, it's no fun to have to be getting up from your cozy chair or bed to answer the phone unless it's necessary.' This shows how users, especially seniors, appreciate call-blocking services to avoid such robocalls.

It’s clear that calls from 8175852091 are often perceived as annoying robocalls, making users appreciate services that block such calls.

Overall, people online generally find calls from 8175852091 bothersome robocalls, and they value call-blocking services to avoid such disturbances.

Yes, you really need to remove 8175852091 from your credit report if it’s potentially inaccurate, such as a listing from Portfolio Recovery Associates. Addressing inaccuracies on your credit report is crucial for maintaining a healthy credit score.

Rather than handling this complicated process on your own, we recommend reaching out to a reputable credit repair company, like The Credit Pros. They can help you save time and increase your chances of successful removal. Make sure you obtain your credit reports from all three major bureaus-Experian, Equifax, and TransUnion-and carefully check for any discrepancies that you need to dispute.

• Contact a reputable credit repair company for assistance.
• Get your credit reports from Experian, Equifax, and TransUnion.
• Dispute any inaccurate items you find to correct your credit history.

As a final point, make sure you remove 8175852091 from your credit report if it's inaccurate. Seek expert help, review your reports from all major bureaus, and dispute any errors to protect your credit score.

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Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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