Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5239050

Complaint Overview

Complaint ID: 5239050

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: South Carolina

ZIP Code: 29201

Date Received: 2022-02-18T12:00:00-05:00

Date Sent to Company: 2022-02-18T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

On XX/XX/XXXX, I submitted to XXXX XXXX letters requesting validation of a debt with Portfolio Recovery ( PRA ). I specified my request for validation with proof of original debt and ink signatures. XXXX claimes to have validated/updated this debt and maintains this record on my profile. In this process, I received a letter dated XXXX from PRA stating they would close my dispute ( without honoring my request for verification ) on the grounds of them not receiving information they requested. I did NOT receive this letter. I also checked the payment portal, and XXXX of the accounts on my credit file is no longer listed. PRA is refusing to honor my request for validation and has removed a debt from my account, but continues to report on my credit file. XXXX has clearly failed to do their due diligence in this dispute process, and I want these accounts removed immediately from my file.

Frequently Asked Questions

What is Complaint #5239050 about?

Complaint #5239050 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 2022-02-18T12:00:00-05:00.

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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