Debt collection -- Attempts to collect debt not owed -- Complaint #18060510
Consumer disputes debt validity with Portfolio Recovery Associates
Complaint Overview
Complaint ID: 18060510
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: Alaska
ZIP Code: 99517
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
Risk Assessment
Risk Level: low
The risk is low as the complaint was closed with non-monetary relief, suggesting a resolution was reached without financial penalty.
Consumer Sentiment: neutral
Topics: Debt collection, Debt validation, Improper debt collection
AI Analysis
CFPB complaint 18060510 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer in Alaska reported that Portfolio Recovery Associates, LLC attempted to collect a debt that was not theirs, and the complaint was closed with non-monetary relief. The complaint was received on November 30, 2025 from Alaska. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should dispute any debt they believe is not theirs in writing and keep records of all communication.
Legal Context & Consumer Protection Laws
Debt collection agencies must cease collection efforts if a consumer disputes the debt and provide verification.
Regulatory Insight
This case highlights the importance of debt validation and the potential for disputes when collection agencies pursue debts that may not belong to the consumer.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Alaska, consumers have rights regarding debt collection practices, and this complaint was processed within that framework.
Industry Comparison
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18060510 about?
CFPB complaint 18060510 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Portfolio Recovery Associates, LLC on November 30, 2025.
Which company is complaint 18060510 filed against?
Complaint 18060510 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 18060510?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18060510 filed?
Complaint 18060510 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 18060510 filed from?
Complaint 18060510 was filed from Alaska. You can view all complaints from this state at /state/AK.
Was the consumer satisfied with the resolution of complaint 18060510?
Dispute information is not available for complaint 18060510.
What product category is complaint 18060510 about?
Complaint 18060510 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18060510 submitted?
Complaint 18060510 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 18060510?
Debt collection agencies must cease collection efforts if a consumer disputes the debt and provide verification. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "Attempts to collect debt not owed".
How likely is complaint 18060510 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18060510?
This complaint is rated as low risk. The risk is low as the complaint was closed with non-monetary relief, suggesting a resolution was reached without financial penalty.
What regulatory actions apply to complaint 18060510?
This case highlights the importance of debt validation and the potential for disputes when collection agencies pursue debts that may not belong to the consumer. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18060510?
Consumers should dispute any debt they believe is not theirs in writing and keep records of all communication.
Are there state-specific protections for complaint 18060510?
In Alaska, consumers have rights regarding debt collection practices, and this complaint was processed within that framework. This complaint was filed from Alaska.
How does complaint 18060510 compare to industry norms?
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
What constitutes 'non-monetary relief' in a debt collection complaint?
Non-monetary relief typically means the issue was resolved without the consumer paying money, such as the debt being removed from their credit report or collection efforts ceasing.
What steps should a consumer take if they receive collection attempts for a debt they don't owe?
The consumer should immediately send a written dispute letter to the debt collector requesting debt validation and cease communication until verification is provided.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.