Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16137013
Complaint Overview
Complaint ID: 16137013
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Georgia
ZIP Code: XXXXX
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2025-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an account reported by Portfolio Recovery Associates , LLC. The company claims I owe a debt originally from XXXX XXXX. However, they have not provided proper documentation proving ownership or validity of this debt. I requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The only evidence provided was a generic email notice of sale, which does not prove legal ownership, chain of assignment, or that I ever agreed to pay. They did not provide the original signed agreement, a complete payment history, or proof that the debt was legally transferred to them. Despite the lack of validation, Portfolio Recovery Associates continues to report this account to the credit bureaus. I disputed the account with Experian/Equifax/TransUnion, but the bureaus marked it as verified without providing me with any documentation. This violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). Information being reported must be accurate and verifiable, yet no proof has been given. I am requesting the CFPBs assistance in requiring Portfolio Recovery Associates and the credit bureaus to provide proper documentation or remove this inaccurate and unverified account from my credit report.
Frequently Asked Questions
What is Complaint #16137013 about?
Complaint #16137013 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-23T12:00:00-05:00.
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.