Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18159632
Complaint Overview
Complaint ID: 18159632
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: Account status incorrect
State: California
ZIP Code: 90023
Date Received: 2025-12-18T12:00:00-05:00
Date Sent to Company: 2025-12-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the accuracy and legal compliance of a collection account being reported by Portfolio Recovery Associates , LLC, originally from XXXX XXXX XXXX. This account is being reported inconsistently and inaccurately across consumer reporting agencies. Portfolio Recovery is furnishing the same alleged debt under different names ( Portfolio Recovery A and Portfolio Recovery Associates ), with different creditor classifications, different payment status language, and incomplete reporting across Experian and Equifax. TransUnion does not report this account at all. Experian reports that the account is seriously past due and assigned to attorney, yet no attorney is identified, no lawsuit has been filed, and no legal action exists. This is a false and misleading representation of legal status in violation of the Fair Debt Collection Practices Act. The account is also reported using a vague and non-verifiable XXXX XXXX status code ( XXXX ), which does not accurately or clearly describe the legal status of the account as required under the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). Additionally, the account contains remarks stating dispute resolved consumer disagrees, despite Portfolio Recovery Associates never providing proper validation, chain of title, a signed agreement, or an itemized accounting of the alleged balance. Because this account can not be verified consistently, accurately, or lawfully across consumer reporting agencies, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.
Frequently Asked Questions
What is Complaint #18159632 about?
Complaint #18159632 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-18T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Credit reporting or other personal consumer reports) 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.