Debt collection -- Written notification about debt -- Complaint #11034088
Complaint Overview
Complaint ID: 11034088
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 91423
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from Portfolio Recovery regarding the alleged debt. I requested contact between Portfolio Recovery and myself showing them to collect this alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 2. Credit Reporting : Despite not receiving the required validation letter, Portfolio Recovery has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX.
Frequently Asked Questions
What is Complaint #11034088 about?
Complaint #11034088 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-12-04T12:00:00-05:00.
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.