Debt collection -- Written notification about debt -- Complaint #18044583
Complaint Overview
Complaint ID: 18044583
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: Texas
ZIP Code: 77072
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
Portfolio Recovery Associates is reporting an account under my name even though I never entered any type of agreement with them. I did not sign anything that gives this company permission to collect, access, or report my personal information. I never communicated with them before they added this to my credit profile and I never selected them to handle anything associated with me. I want to make it clear that I am not asking for a bill or an itemized list. I am requesting proof that I personally authorized Portfolio Recovery to use my identity in any capacity. Under 15 U S C 1681e subsection b, any company that furnishes information must have procedures that ensure accuracy. Reporting from a company that has no signed agreement with me does not meet this requirement. Under 15 U S C 1681b, any company that accesses or uses my personal information must have consumer permission and a lawful purpose. Portfolio Recovery has not shown that I granted either. Under 15 U S C 1692g, a collector must be able to present documentation proving a legitimate right to act in connection with a consumer. They have not provided anything that links them to me through my approval or signature. Under 15 U S C 1681i, a company must produce supporting documents when an account is challenged. Nothing with my signature has been presented. Life events or financial hardship do not create a contractual relationship between me and this collector. They continue responding with generic statements about what they claim I owe, but that is not what I requested. I am asking for proof that I personally transferred my information to Portfolio Recovery. They have not provided anything showing that I allowed them to appear on my report or to use my private information. I did not choose them. I did not sign anything with them. I did not authorize them. They have not shown any evidence that I permitted them to handle or report my information, yet they added this account anyway. Their reporting has harmed my credit and interfered with my financial stability.
Frequently Asked Questions
What is Complaint #18044583 about?
Complaint #18044583 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
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.