Debt collection -- Took or threatened to take negative or legal action -- Complaint #18039976
Complaint Overview
Complaint ID: 18039976
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: New Hampshire
ZIP Code: 032XX
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
1. PRA never properly validated the alleged debt. They sent only a generic billing statement and a self-generated letter claiming ownership. They provided no contract, no signed agreement, no charge-off statement, no itemized accounting, and no chain of custody, all of which are required under 15 U.S.C. 1692g ( b ) once a dispute is submitted. 2. PRA furnished inaccurate information to the credit bureaus and continues doing so even after disputes were submitted. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 3 ) ( failure to report disputed status correctly ). 3. XXXX will not allow further disputes, stating the account was previously investigated even though PRA still has not provided proper validation and continues reporting inaccurate data. This demonstrates that PRAs investigation was incomplete, unreasonable, or both. 4. PRA spelled my name incorrectly on multiple documents, which calls into question their record integrity and raises concerns of possible mixed file or id entity error. No valid debt collection activity can occur without accurate identification. 5. PRA falsely stated I received previous notices, which I never did. I was never served any collection lawsuit, demand letter, or prior notice from PRA. Under FDCPA 1692e ( 10 ) and 1692e ( 2 ) ( A ), misrepresenting that notices were sent is a deceptive practice. 6. PRA is now claiming they validated the debt after providing nothing but generic printouts and self-generated letters. This does NOT meet the statutory definition of validation. 7. PRA is continuing to report the account after being notified of disputes, and after agreeing through the CFPB portal to cease collection. Continuing to furnish negative tradeline information after agreeing to cease collection activity is a violation o f FCRA and FDCPA, including 1692c ( c ).
Frequently Asked Questions
What is Complaint #18039976 about?
Complaint #18039976 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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.