Who Is 9166033091 (+ How Are They Hurting My Credit Score)

The phone number 9166033091 appears to be from a debt collection agency, likely Portfolio Recovery Associates. However, it's crucial that you don't engage with the caller directly, whether it's legit or a scam. You are not required to pay any debt immediately if you have doubts about its authenticity.

Here’s what we advise you to do next:

- Pull your credit report and check for any inaccuracies or negative items that might affect your score.
- If you notice debt from this collector on your report, it's probably a legitimate call, but you should still avoid responding directly to the call.
- We, The Credit Pros, can help you verify any debt claimed by this collector, dispute inaccurate items, and boost your financial situation.

To sum up - don't engage directly with the caller. Check your credit report for any inaccuracies. Reach out to us for help in verifying and disputing debts to protect your financial health.

To stop 9166033091 from harassing you and report them, follow these steps:

1. Document Unwanted Interactions: Keep a detailed log of the harassing calls, including dates, times, and any abusive language used.

2. Use the Do Not Call Registry: Register your number at DoNotCall.gov and block the number on your phone or through your service provider.

3. Escalate if Needed:
- Restraining Order: If harassment continues, consider getting a restraining order.
- Harassment Lawyer: Consult a harassment lawyer for legal advice tailored to your situation.
- Cease and Desist Letter: Send a cease and desist letter using the template at eforms.com/cease-and-desist.

4. Use Call-Blocking Apps:
- Android: 'Call Blocker - Stop spam calls'
- Apple: 'Robokiller: Spam Call Blocker'

5. Report to FCC:
- File a complaint about unwanted or illegal robocalls at fcc.gov/complaints. Choose the phone form and specify the issue as 'unwanted calls.'

6. Report to FTC:
- Report telemarketing or violations of the Do Not Call Registry at ReportFraud.ftc.gov. For general unwanted calls, use DoNotCall.gov.

7. Submit a Complaint to CFPB:
- Visit consumerfinance.gov/complaint or call (855) 411-2372 to report. Be sure to include key details and documents.

8. Use Nomorobo: Report unwanted robocalls through Nomorobo if you use their service.

9. Contact Your Phone Carrier: Ask about their call-blocking tools and options.

10. Seek Help from Local Authorities: File a complaint at your local police station or with the Superintendent of Police if the harassment continues or involves threats.

To wrap things up - by documenting calls, blocking the number, reporting to the FCC and FTC, and seeking legal help, you can effectively address and stop the harassment from 9166033091. We understand this is tough, but taking these actions can protect you and help solve the problem.

You should block the number 9166033091. Blocking unwanted calls stops unnecessary disruptions without any significant consequences. If the calls are from debt collectors and you feel harassed, blocking them is a wise move. Blocking these calls won't impact your credit score.

If the debt collector is affecting your credit report negatively, you should work with a reputable credit repair company to handle any inaccuracies or disputes. This way, you can block the number and tackle your credit issues at the same time. Remember, blocking won't worsen your credit score.

In the end, blocking 9166033091 helps you avoid harassment, and working with a credit repair company can address any credit report issues effectively.

Yes, a debt collector like 9166033091 can sue you, but it’s unlikely. Suing is usually their last resort, especially if the amount is substantial, typically over $5,000. They need to prove you owe the debt, the amount is correct, and they have legal standing, which can be complicated if the debt has changed hands multiple times. Lawsuits are expensive and time-consuming, so debt collectors often prefer to settle out of court.

You should also be aware of the statute of limitations, which varies by state. If your debt is old, it might be beyond this period, making a lawsuit even less likely. Debt collectors usually try other methods, like calls and letters, before they consider legal action. If they do decide to sue you, you will receive a court summons and complaint. Respond promptly to avoid a default judgment.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, consider consulting with an attorney.

As a final point, it's essential to know that while a debt collector like 9166033091 can technically sue you, they often find it more practical to use other methods. Understand your rights, respond to any legal documents promptly, and consider seeking legal advice to navigate the situation effectively.

If you've received a call from 9166033091, you should not provide any personal information. This number is associated with a debt collector and might be a scam.

It's important that you avoid answering their calls to protect yourself from potential risks. Instead, focus on obtaining your 3-bureau credit report. This allows you to verify your credit status and check for any inaccuracies.

Working with a reputable credit repair company can be highly beneficial. They have the expertise to handle disputes and inaccuracies, making it easier for you to improve your credit score. Professional support can help you develop a personalized plan to move forward securely.

Bringing it all together - avoid answering calls from 9166033091, get your 3-bureau credit report, and work with a reputable credit repair company for professional and secure assistance.

The types of debt collected by 9166033091 include various consumer debts such as credit card debt, auto loans, and cell phone bills. They typically handle debts sold by the original creditors to third-party collectors.

You can expect an array of debts, from personal loans to unpaid bills and other similar obligations. It's important that you verify any debt and understand your rights before engaging with any collector.

All things considered, ensure you verify the debt, recognize your rights, and proceed cautiously when dealing with 9166033091 to address your obligations effectively.

To check if you owe money to 9166033091, follow these steps:

1. Check your records. Look for final bills, account statements, or receipts related to this debt.
2. Get a copy of your credit report. Look for any reported debts associated with this phone number.
3. Request debt validation. If you see a debt related to this number on your credit report, ask the debt collector for written verification.
4. Avoid direct engagement. Don’t contact the phone number directly, as this might reset the statute of limitations on old debts.

Remember, many people find it time-consuming to dispute inaccurate items. If this applies to you, consider working with a reputable credit repair company. If you're facing harassment, consult a consumer protection lawyer.

Lastly, gather as much documentation as possible from your records and credit reports before reaching out to the debt collector; this will help you handle the situation more effectively.

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices by debt collectors. Under this law, collectors cannot contact you before 8 AM or after 9 PM, use abusive language, make threats, or harass you. They also can't contact you at work if your employer disallows it.

You should receive a written validation notice about the debt, which includes details like the amount owed and the creditor's name. If you disagree with the debt, write to the collector within 30 days to dispute it. They must then verify the debt before continuing any collection attempts.

You can demand in writing that a collector stops contacting you. If they violate these rules, you can sue for damages and report the collector to the FTC or CFPB. Additionally, some states have stricter laws and licensing requirements for debt collectors.

If you are dealing with persistent calls from the number 9166033091, remember that these regulations are in place to protect your rights. Always document interactions and seek legal advice if your rights are being violated.

Finally, know that documenting everything and demanding written proof will help you stand firm against aggressive debt collectors like those calling from 9166033091.

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

Lawsuits:
- CFPB vs. Portfolio Recovery Associates (2015 and 2023 Orders):
- 2015: They had to pay over $27 million in refunds and penalties for deceptive debt collection practices.
- 2023: Additional violations led to another order requiring them to pay over $12 million to consumers and a $12 million penalty for illegal debt collection practices, such as collecting on unsubstantiated debts and suing without proper documentation.

Official Complaints:
You should know that Portfolio Recovery Associates has also faced numerous complaints from the Consumer Financial Protection Bureau (CFPB) for:
- Violations of the Fair Debt Collection Practices Act (FDCPA)
- Infractions under the Consumer Financial Protection Act (CFPA)
- Issues related to the Fair Credit Reporting Act (FCRA)

Thousands of consumers have reported aggressive and sometimes illegal debt collection tactics by this agency.

In closing, Portfolio Recovery Associates has a history of legal troubles and penalties due to their aggressive and unlawful debt collection practices. Being aware of these details can help you better understand and handle any interactions with them.

Here’s what people online say about 9166033091:

JLK California calls it a scammer or fraudster under the name PORTFOLIORECOV. Mb California identifies it as a debt collector from Portfolio Recovery trying to recover debt twice. Denise Crowley describes it as a debt collection message from Portfolio Recovery Associates. Gladys Havis confirms the calls are from a debt collector, directing to 877-803-0025 or praway.com.

Overall, people online associate 9166033091 with Portfolio Recovery Associates, mostly perceiving it as related to debt collection or potential scam calls.

Yes, you really need to remove 9166033091 from your credit report if you've identified it as potentially inaccurate. First, confirm that this collection truly appears on your credit report. Avoid hiring poorly rated credit repair companies, as many can be deceptive. Disputing on your own can be time-consuming and stressful.

Instead, reach out to a reputable company like The Credit Pros. They can handle the legwork for you. Fixing bad credit involves dealing with credit agencies and lenders, which takes a lot of time. Remember, accurate negative items have to stay on your report for a minimum of seven years. However, you have the right to dispute inaccuracies, and credit bureaus are required to correct mistakes, typically within 30 days, at no cost to you.

• Regularly review your credit reports from all three bureaus.
• Dispute any inaccuracies as soon as you spot them.
• Consider professional help if the process feels overwhelming.

As a final point, always check your credit reports regularly, dispute any errors promptly, and don't hesitate to seek professional help if you need it.

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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