Debt collection -- Written notification about debt -- Complaint #17832735
Complaint Overview
Complaint ID: 17832735
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Illinois
ZIP Code: 60609
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX XXXX 2025 Portfolio Recovery Associates Attn : Compliance Department Re : Cease and Desist Demand Alleged Account : Account Number : XXXX To Whom It May Concern, This letter serves as my formal Cease and Desist demand regarding any and all communication attempts related to the above-referenced alleged account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am invoking my right to request that you cease all communication with me concerning this alleged debt, except as permitted by law ( such as providing notice of termination of collection efforts or notice of specific legal action ). Please note the following : 1. I dispute the validity of this alleged debt. 2. You are to immediately stop all phone calls, messages, emails, mailed notices, and thirdparty contact attempts. 3. Any future communication must be limited to written notice if you intend to take one of the legally permitted actions under the FDCPA. 4. Do not contact my family members, employer, or any third party regarding this alleged debt. Failure to comply with this request will constitute a violation of the FDCPA and may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois XXXX XXXX. Please confirm in writing that you have received this Cease and Desist request and that all collection communications have been halted. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #17832735 about?
Complaint #17832735 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
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.