Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17799900
Complaint Overview
Complaint ID: 17799900
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 10469
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the following collection accounts reporting on my credit file. These accounts are the result of identity theft. I never opened any accounts with these companies, did not authorize any transactions, and have no relationship with these creditors. I do not know how they obtained my personal information. PORTFOLIO RECOVERY PORTFOLIO RECOVERY ASSOCIATES PRA Group Please conduct a full investigation and remove these fraudulent accounts from my credit report immediately under the FCRA. I request written confirmation once they have been deleted.
Frequently Asked Questions
What is Complaint #17799900 about?
Complaint #17799900 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
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.