Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18058175
Incorrect Identity Information on Credit Report Resolved with Explanation
Complaint Overview
Complaint ID: 18058175
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Wisconsin
ZIP Code: 53225
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 18058175 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Wisconsin consumer reported incorrect information on their credit report, stating that information belonging to someone else was listed, and the complaint was closed with an explanation. The complaint was received on November 30, 2025 from Wisconsin. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers to investigate disputes.
Regulatory Insight
This case highlights the importance of credit reporting agencies and debt collectors adhering to FCRA guidelines regarding the reporting of accurate consumer information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Wisconsin, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This situation is common in the credit reporting industry, where errors in identity or reporting can occur and are typically addressed through dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18058175 about?
CFPB complaint 18058175 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Portfolio Recovery Associates, LLC on November 30, 2025.
Which company is complaint 18058175 filed against?
Complaint 18058175 was filed against Portfolio Recovery Associates, LLC. You can view all complaints against this company on their profile page at /company/portfolio-recovery-associates-llc.
What was the company's response to complaint 18058175?
Portfolio Recovery Associates, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18058175 filed?
Complaint 18058175 was received by the CFPB on November 30, 2025. It was sent to Portfolio Recovery Associates, LLC on November 30, 2025.
What state was complaint 18058175 filed from?
Complaint 18058175 was filed from Wisconsin. You can view all complaints from this state at /state/WI.
Was the consumer satisfied with the resolution of complaint 18058175?
Dispute information is not available for complaint 18058175.
What product category is complaint 18058175 about?
Complaint 18058175 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18058175 submitted?
Complaint 18058175 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18058175?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports and requires furnishers to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against Portfolio Recovery Associates, LLC involving "Incorrect information on your report".
How likely is complaint 18058175 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18058175?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
What regulatory actions apply to complaint 18058175?
This case highlights the importance of credit reporting agencies and debt collectors adhering to FCRA guidelines regarding the reporting of accurate consumer information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18058175?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18058175?
In Wisconsin, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Wisconsin.
How does complaint 18058175 compare to industry norms?
This situation is common in the credit reporting industry, where errors in identity or reporting can occur and are typically addressed through dispute resolution processes.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing evidence to support their claim.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company responded to the complaint with information or justification, and the CFPB found the response to be adequate, closing the case.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.