Debt collection -- False statements or representation -- Complaint #17940295
Complaint Overview
Complaint ID: 17940295
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 18042
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates is reporting a debt on my credit report without providing proper validation. I disputed this account with XXXX on XX/XX/year>. Experian marked the account as verified, but no documentation was provided to me. I requested full validation from Portfolio Recovery, including : Proof they own the debt The original signed contract Complete account history and itemization Chain of assignment Documentation used to verify the account with Experian Portfolio Recovery did NOT provide any of this information. This is a violation of : FDCPA 809 ( b ) ( failure to validate debt upon request ) FCRA 611 ( improper verification by Experian ) FCRA 623 ( furnishing inaccurate or unverifiable information ) Despite having no documentation, Portfolio Recovery continues to report the account to Experian and Experian continues to report it as verified. This is misleading and inaccurate. I am requesting that CFPB require Portfolio Recovery to provide full validation or remove the account from all credit bureaus.
Frequently Asked Questions
What is Complaint #17940295 about?
Complaint #17940295 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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 (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.