Debt collection -- Attempts to collect debt not owed -- Complaint #18000233
Complaint Overview
Complaint ID: 18000233
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77479
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I identified an inaccurate entry on my credit report related to Portfolio Recovery Associates showing a balance of {$500.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. Portfolio Recovery Associates did not provide proper verification and did not respond to my request. The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.
Frequently Asked Questions
What is Complaint #18000233 about?
Complaint #18000233 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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.