Debt collection -- False statements or representation -- Complaint #10378380
Complaint Overview
Complaint ID: 10378380
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 79109
Date Received: 2024-10-07T12:00:00-05:00
Date Sent to Company: 2024-10-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Portfolio Recovery, I recently received a debt collection notice from your office. I'm writing to you to verify that first you have contacted the correct individual and request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. I accordance with the Fair Debt Collections practices Act ( FDCPA ), I request the following information. 1. Name and address of the original creditor and the account number. 2. Verification of debt account you are seeking to collect, including evidence that a contact exists creating the amount you claim is owed. 3. Documentations of all assignments showing transactions of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignment 's of the debt from the original creditor the secured trust and then back to the original creditor. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute you right to do so. Notification to other Collectors I dispute that I owe this should you transfer this debt to another collector, please inform them of my dispute requesting the validity to this debt. Thank you to your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #10378380 about?
Complaint #10378380 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-10-07T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Portfolio Recovery Associates, LLC?
Yes, visit the Portfolio Recovery Associates, LLC company profile at readthecomplaint.com/company/portfolio-recovery-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.