Debt collection -- Attempts to collect debt not owed -- Complaint #14361744
Complaint Overview
Complaint ID: 14361744
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: Maryland
ZIP Code: 20772
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-06-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The account in question, listed by XXXX ], is currently being reported as open. However, collection accounts are not revolving credit lines and should not be reported as open accounts. By definition, a collection account is closed to further charges and should reflect a status of closed or collection, not open. Under 15 U.S. Code 1681e ( b ) of the FCRA, credit reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a collection account as open misrepresents the nature of the account and may artificially lower my credit score, constituting inaccurate and misleading reporting. I am requesting the following action be taken immediately : 1. Investigate and verify the accuracy of the open status on this account. 2. Correct or delete the inaccurate information if it can not be verified in full compliance with the FCRA. 3. Provide me with a written response of your findings within 30 days as required by FCRA 611 ( 15 U.S. Code 1681i ). Please consider this letter as my formal dispute and request for reinvestigation. I have enclosed a copy of my government-issued ID, proof of address, and a copy of my credit report with the item in question highlighted.
Frequently Asked Questions
What is Complaint #14361744 about?
Complaint #14361744 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 2025-06-29T12:00:00-05:00.
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.