Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14870257
Complaint Overview
Complaint ID: 14870257
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77082
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Follow-Up CFPB Complaint # 2 Account Ending in XXXX Balance : {$2000.00} Date Originally Reported : XX/XX/XXXX No Response Since : XX/XX/XXXX -- - To : Consumer Financial Protection Bureau RE : Follow-up Unanswered CFPB Complaint Regarding PRA Account Ending in XXXX Dear CFPB, I am submitting this follow-up complaint regarding a second unresolved collection account from Portfolio Recovery Associates ( PRA ) , ending in XXXX, with an open balance of {$2000.00}. Like the previously reported account, this debt was disputed and included in my XX/XX/XXXX, CFPB complaint. PRA has not responded to this account either, and has failed to provide the required documentation to verify the debt under the FDCPA and FCRA. They continue to report this account to the credit bureaus, despite failing to respond or validate anything. This is an ongoing violation of my consumer rights, and I request the CFPB take further enforcement action. I am formally requesting : Deletion of this account from all three credit bureaus Escalation due to the companys failure to respond within 15 or even 30 days Thank you for your continued help. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14870257 about?
Complaint #14870257 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-24T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.