Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16969395
Complaint Overview
Complaint ID: 16969395
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: Alabama
ZIP Code: 35235
Date Received: 2025-11-01T12:00:00-05:00
Date Sent to Company: 2025-11-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates is reporting multiple collection accounts that have never been validated, despite repeated written requests. Beginning in XX/XX/XXXX, I disputed these accounts with all three credit bureaus. Portfolio Recovery failed to provide any supporting documentation to prove ownership or validity of the debts. In XX/XX/XXXX, I sent XXXX XXXX XXXX requests to the bureaus, and in XX/XX/XXXX I sent final notices stating that both the bureaus and Portfolio Recovery were violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Portfolio Recovery made only minor changes to the reporting such as marking the accounts closed but has continued to furnish these items without ever producing proof of debt ownership, itemized statements, or assignment contracts from the original creditors.
Frequently Asked Questions
What is Complaint #16969395 about?
Complaint #16969395 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 2025-11-01T12:00:00-05:00.
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.