Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16856507
Complaint Overview
Complaint ID: 16856507
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: Their investigation did not fix an error on your report
State: Michigan
ZIP Code: 48239
Date Received: 2025-10-27T12:00:00-05:00
Date Sent to Company: 2025-10-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
-- - I am requesting validation of an alleged debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and instructing the collector to cease all communication under 15 U.S.C. 1692c ( c ). The collector has not provided proof of the debt, the original creditor, or their legal right to collect. Reporting or continuing to report this unvalidated debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Accounts : XXXX XXXX : XXXX, XXXX Portfolio Rc : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #16856507 about?
Complaint #16856507 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 2025-10-27T12:00:00-05:00.
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 (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.