Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5195128

Complaint Overview

Complaint ID: 5195128

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: Pennsylvania

ZIP Code: 19111

Date Received: 2022-02-07T12:00:00-05:00

Date Sent to Company: 2022-02-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Please be apprised that Portfolio Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Portfolio Recovery/ XXXX XXXX proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX & XXXX & both bureaus are reporting false information on my credit report. You are in violation continuing to report. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time * In this complaint accompanies proof of the CRA 's reporting the wrong date opened. Why does date opened state XX/XX/XXXX if Portfolio Recovery/ XXXX XXXX just openly admitted that the account was opened in XXXX of XXXX. This is a major violation and if you continue to report inaccurate information I will for sure sue all 3 businesses. This is Portfolio Recovery response- Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$1500.00} was due on the account at the time of PRA 's purchase.

Frequently Asked Questions

What is Complaint #5195128 about?

Complaint #5195128 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 2022-02-07T12:00:00-05:00.

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.

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