Debt collection -- Attempts to collect debt not owed -- Complaint #18106802
Complaint Overview
Complaint ID: 18106802
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: California
ZIP Code: 90015
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates ( XXXX ) is reporting a collection account to Experian that contains several inaccuracies and missing required information. According to Experian, XXXX is reporting the account as opened on XX/XX/year>, which is incorrect because this is the date XXXX purchased the debt, not the original Date of First Delinquency ( DOFD ). This improperly re-ages the account and extends the reporting period, which is illegal under the FCRA. XXXX XXXX also does not include the name of the original creditor, the original account number, or the XXXX. Without this information, the tradeline is incomplete and unverifiable. XXXX is also reporting monthly C ( collection ) payment history, which is misleading and not appropriate for a collection account. I requested full validation of the debt from XXXX ( FDCPA XXXX ), but XXXX has not provided any documentation proving that the debt is mine, proving ownership, or validating the accuracy of the amount they claim is owed. Despite failing to validate the debt, XXXX continues to verify the account with Experian and continues reporting it as accurate. I attempted to resolve this directly with the company, but XXXX did not provide any proof of the debt. The account remains on my Experian credit report despite being unverified, inaccurate, and incomplete. I am requesting CFPB assistance because XXXX and Experian refuse to correct or remove this unvalidated and inaccurate information.
Frequently Asked Questions
What is Complaint #18106802 about?
Complaint #18106802 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.