Debt collection -- Attempts to collect debt not owed -- Complaint #4571476
Complaint Overview
Complaint ID: 4571476
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Texas
ZIP Code: 77578
Date Received: 2021-07-24T12:00:00-05:00
Date Sent to Company: 2021-07-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Frequently Asked Questions
What is Complaint #4571476 about?
Complaint #4571476 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 2021-07-24T12:00:00-05:00.
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 (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.