Debt collection -- Attempts to collect debt not owed -- Complaint #16685299
Complaint Overview
Complaint ID: 16685299
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: XXXXX
Date Received: 2025-10-19T12:00:00-05:00
Date Sent to Company: 2025-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Demand Dear Portfolio Recovery I am writing to formally demand that you Cease and Desist from using my information obtained due to identity theft, and reporting without my written consent or having a contract with your office with my wet signature a letter was sent to your office XX/XX/year> to verification of your claims sent to the bureaus, still no respond.. This behavior constitutes a violation of Florida Statute XXXX & XXXX If you continue this behavior, I will be forced to take appropriate legal action to protect my rights. Accordingly, you are hereby directed to : Immediately stop using, report and or anything associated with my personal information Provide written assurance within XXXX days of the date of this letter that you will refrain from any further such actions This letter serves you as the final warning. If you do not comply with this request. I reserve the right to pursue all available legal remedies, including seeking monetary damages, injunctive relief, and recovery of legal fees. This is a serious matter. Govern yourself accordingly. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16685299 about?
Complaint #16685299 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 2025-10-19T12:00:00-05:00.
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.