Debt collection -- Written notification about debt -- Complaint #13927596
Complaint Overview
Complaint ID: 13927596
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: Mississippi
ZIP Code: 391XX
Date Received: 2025-06-05T12:00:00-05:00
Date Sent to Company: 2025-06-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I requested debt validation 60 days ago, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the company failed to provide a valid agreement. As I don't have an agreement with them, I'm disputing the debt. They didn't validate the account as requested. Given their failure to validate, I demand that they : - Immediately cease all collection activities- Remove the debt from my credit report without delay - Notify the credit bureaus to update my file accordingly and delete any negative marks related to this debt - Provide written confirmation of these actions within 10 days As they have failed to meet their obligations under the FDCPA, I expect prompt resolution. Please take immediate action to resolve this matter and ensure my credit report is updated accurately.
Frequently Asked Questions
What is Complaint #13927596 about?
Complaint #13927596 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-06-05T12:00:00-05:00.
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.