Debt collection -- Attempts to collect debt not owed -- Complaint #18061603
Consumer disputes debt collection for unknown debt
Complaint Overview
Complaint ID: 18061603
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: Pennsylvania
ZIP Code: 19465
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 complaint was closed with non-monetary relief, indicating the issue was resolved without financial compensation to the consumer, suggesting a lower risk of significant financial or legal repercussions.
Consumer Sentiment: neutral
Topics: Debt collection, Incorrect debt, Disputed debt
AI Analysis
CFPB complaint 18061603 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Portfolio Recovery Associates, LLC, alleging attempts to collect a debt that was not theirs, which was closed with non-monetary relief. The complaint was received on November 30, 2025 from Pennsylvania. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review any debt collection notices and dispute any debts they do not recognize or believe are not theirs by providing documentation.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics.
Regulatory Insight
This case highlights the importance of accurate debt validation by collectors and the consumer's right to dispute debts they do not owe.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint was submitted in Pennsylvania (PA).
Industry Comparison
Debt collection agencies frequently face complaints regarding the collection of debts that consumers claim are not theirs.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18061603 about?
CFPB complaint 18061603 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 18061603 filed against?
Complaint 18061603 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 18061603?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18061603 filed?
Complaint 18061603 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 18061603 filed from?
Complaint 18061603 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18061603?
Dispute information is not available for complaint 18061603.
What product category is complaint 18061603 about?
Complaint 18061603 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18061603 submitted?
Complaint 18061603 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 18061603?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "Attempts to collect debt not owed".
How likely is complaint 18061603 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 18061603?
This complaint is rated as low risk. The complaint was closed with non-monetary relief, indicating the issue was resolved without financial compensation to the consumer, suggesting a lower risk of significant financial or legal repercussions.
What regulatory actions apply to complaint 18061603?
This case highlights the importance of accurate debt validation by collectors and the consumer's right to dispute debts they do not owe. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18061603?
Consumers should carefully review any debt collection notices and dispute any debts they do not recognize or believe are not theirs by providing documentation.
Are there state-specific protections for complaint 18061603?
The complaint was submitted in Pennsylvania (PA). This complaint was filed from Pennsylvania.
How does complaint 18061603 compare to industry norms?
Debt collection agencies frequently face complaints regarding the collection of debts that consumers claim are not theirs.
What constitutes sufficient proof for a consumer to dispute a debt they do not owe?
Consumers can provide documentation such as proof of payment, identity theft affidavits, or evidence that the debt belongs to someone else.
What are the typical non-monetary reliefs offered in debt collection disputes?
Non-monetary relief can include the removal of the debt from credit reports, cessation of collection attempts, or an agreement to cease reporting the debt.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.