Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18062166
Incorrect Identity Information on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 18062166
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: Georgia
ZIP Code: 31093
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 issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact or ongoing dispute.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 18062166 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 consumer reported incorrect information on their credit report, stating that information belonging to someone else was listed, which was handled by Portfolio Recovery Associates, LLC in Georgia and closed with non-monetary relief. The complaint was received on November 30, 2025 from Georgia. The company responded with "Closed with non-monetary relief".
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, requiring furnishers and credit bureaus to investigate disputes.
Regulatory Insight
This case highlights the importance of credit bureaus and debt collectors adhering to FCRA regulations regarding the reporting of accurate consumer information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information.
Industry Comparison
This situation is common in the credit reporting industry, where errors in identifying information can occur and require correction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18062166 about?
CFPB complaint 18062166 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 18062166 filed against?
Complaint 18062166 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 18062166?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18062166 filed?
Complaint 18062166 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 18062166 filed from?
Complaint 18062166 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 18062166?
Dispute information is not available for complaint 18062166.
What product category is complaint 18062166 about?
Complaint 18062166 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 18062166 submitted?
Complaint 18062166 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 18062166?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers and credit bureaus 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 18062166 to be resolved?
Resolution likelihood: likely. 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 18062166?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact or ongoing dispute.
What regulatory actions apply to complaint 18062166?
This case highlights the importance of credit bureaus and debt collectors adhering to FCRA regulations 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 18062166?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18062166?
In Georgia, consumers have rights under state and federal laws to ensure the accuracy of their credit reporting information. This complaint was filed from Georgia.
How does complaint 18062166 compare to industry norms?
This situation is common in the credit reporting industry, where errors in identifying information can occur and require correction.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction or removal of inaccurate information from a credit report, rather than a financial payout.
How long does a credit reporting agency have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer dispute, with a possible extension to 45 days.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.