Debt collection -- Attempts to collect debt not owed -- Complaint #15196793
Complaint Overview
Complaint ID: 15196793
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: Indiana
ZIP Code: 461XX
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n./I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information. 2. Fair Debt Collection Practices Act The reporting of this eviction is deceptive, as no final judgment or public record proving l legally owe this debt has been provided. 3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801. 4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.
Frequently Asked Questions
What is Complaint #15196793 about?
Complaint #15196793 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 2025-08-10T12:00:00-05:00.
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.