Debt collection -- Written notification about debt -- Complaint #18074417
Complaint Overview
Complaint ID: 18074417
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: 75042
Date Received: 2025-10-18T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX | Phone : ( XXXX ) XXXX XX/XX/year> ______________________________________________________ CERTIFIED MAIL RETURN RECEIPT REQUESTED Tracking No : __________________________ Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXC XXXX Re : Formal Complaint Violations of FDCPA 1692g, 1692e, 1692f and FCRA 1681i, 1681s-2 To Whom It May Concern, This letter serves as a formal complaint and request for investigation into unlawful debt collection and credit reporting practices perpetrated against me by multiple debt collectors listed below. The following debt collectors have failed to provide lawful validation under FDCPA 1692g and continue to report unverified accounts in violation of FCRA 1681i and 1681s-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Despite prior and subsequent written requests for validation under FDCPA 1692g, these agencies have continued collection efforts and credit reporting without proper verification. This conduct constitutes ongoing violations of both the FDCPA and FCRA. I hereby request your office to investigate these entities for continued collection and reporting of unverified debts, and to enforce corrective actions, including removal of all inaccurate tradelines and restitution for damages sustained.
Frequently Asked Questions
What is Complaint #18074417 about?
Complaint #18074417 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-10-18T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with explanation". 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.