Debt collection -- Attempts to collect debt not owed -- Complaint #12507893
Complaint Overview
Complaint ID: 12507893
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30126
Date Received: 2025-03-16T12:00:00-05:00
Date Sent to Company: 2025-03-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed these accounts on my credit and asked for verification of debt with no such verification provided from the collection agency. As of today, I have not received a response with proper validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, they are required to provide proper verification before continuing collection efforts. If unable to verify this debt, they must cease all collection activity and remove any negative reporting related to this debt from my credit report. If they have sent validation and I have not received it, I ask that they please provide it again. Otherwise, I expect them to comply with the law and cease further att empts to collect. If they fail to respond, I will escalate this matter by filing complaints with my state 's Attorney Generals office.
Frequently Asked Questions
What is Complaint #12507893 about?
Complaint #12507893 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 2025-03-16T12:00:00-05:00.
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.