Debt collection -- Attempts to collect debt not owed -- Complaint #13956716
Complaint Overview
Complaint ID: 13956716
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: Arizona
ZIP Code: 85019
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing XXXX collection accounts being reported by Portfolio Recovery Associates that appear to be the result of identity theft. XXXX account is listed on XXXX under XXXXXXXX XXXX XXXX XXXX XXXX and the other is listed on XXXX and XXXX under XXXXXXXX XXXX XXXX XXXX XXXX I did not open any account with XXXX XXXX XXXX, and I have no knowledge of owing this {$1800.00} debt. I never received validation notices, billing, or any form of agreement related to this account. These accounts are being reported as separate collection tradelines, but both reflect the same amount, original creditor, and similar reporting dates suggesting duplicate reporting of fraudulent activity tied to my identity.
Frequently Asked Questions
What is Complaint #13956716 about?
Complaint #13956716 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 2025-06-07T12:00:00-05:00.
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.