Debt collection -- Attempts to collect debt not owed -- Complaint #12003271
Complaint Overview
Complaint ID: 12003271
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 081XX
Date Received: 2025-02-08T12:00:00-05:00
Date Sent to Company: 2025-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing in response to your communication regarding a debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the debt, including a detailed breakdown of any interest, fees, or charges. 3. A copy of the signed agreement or contract that establishes my liability for this debt. 4. Proof that you are authorized to collect this debt in my state. 5. Any other documentation that verifies the validity of this debt. 6. The chain of title on this debt Until you provide this information, I dispute the validity of this debt and request that you cease all collection efforts. Additionally, I request that you do not report this debt to any credit reporting agencies until the debt has been properly validated. Please note that if you are unable to provide validation of this debt, I expect you to close, delete, and mark this account as resolved.
Frequently Asked Questions
What is Complaint #12003271 about?
Complaint #12003271 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 2025-02-08T12:00:00-05:00.
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.