Debt collection -- False statements or representation -- Complaint #16513813
Complaint Overview
Complaint ID: 16513813
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Louisiana
ZIP Code: 70127
Date Received: 2025-10-10T12:00:00-05:00
Date Sent to Company: 2025-10-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt referenced in your correspondence. This letter is a formal request for validation and verification of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized statement of interest, fees, and other charges. 3. A copy of the original signed agreement or contract creating the obligation. 4. Verification that you are authorized to collect this debt in my state. 5. Documentation proving your ownership or legal right to collect the debt. Until the requested information is provided, I request that you cease all collection activities, including reporting this alleged debt to any credit bureaus, contacting me by phone, or pursuing any further collection efforts. Be advised that any failure to provide the required documentation within the statutory time frame will be considered a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. Please direct all future communications regarding this matter in writing only. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16513813 about?
Complaint #16513813 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-10T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.