Debt collection -- Attempts to collect debt not owed -- Complaint #10607907
Complaint Overview
Complaint ID: 10607907
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Missouri
ZIP Code: 640XX
Date Received: 2024-10-28T12:00:00-05:00
Date Sent to Company: 2024-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint regarding XXXX XXXX and Portfolio Recovery Associates , LLC for inaccurately reporting a fraudulent debt on my credit report. This account was opened without my authorization, as my personal information was compromised in the XXXX data breach. I respectfully request that the CFPB assist in ensuring that this fraudulent account and related collections are promptly removed from my credit reports with XXXX, XXXX, and XXXX. Account Details : Original Creditor : XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC Reported Balance : {$400.00} Reported Delinquency : XX/XX/year> Issue Summary : 1. Fraudulent Account Creation : This account with XXXXXXXX XXXX was opened fraudulently due to the XXXX data breach, during which my personal information was compromised and used without my consent. 2. Collection Activity by Portfolio Recovery Associates , LLC : Despite this account being unauthorized and fraudulently created, Portfolio Recovery Associates , LLC is reporting a balance of {$400.00} and listing the account as delinquent as of XX/XX/year>. Their continued reporting of this fraudulent debt is damaging to my credit and personal financial standing. 3. Previous Reports of Identity Theft : I have previously reported this fraudulent activity to the Federal Trade Commission ( FTC ) and notified both XXXX and XXXX XXXX of the unauthorized account. However, Portfolio Recovery Associates , LLC continues to report the account as a valid collection, ignoring the documented evidence of fraud and identity theft. Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Frequently Asked Questions
What is Complaint #10607907 about?
Complaint #10607907 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-28T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.