Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4349218
Complaint Overview
Complaint ID: 4349218
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Nevada
ZIP Code: 89135
Date Received: 2021-05-04T12:00:00-05:00
Date Sent to Company: 2021-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
Frequently Asked Questions
What is Complaint #4349218 about?
Complaint #4349218 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-05-04T12:00:00-05:00.
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 (Credit reporting, credit repair services, 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.