Debt collection -- Attempts to collect debt not owed -- Complaint #5290317
Complaint Overview
Complaint ID: 5290317
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33029
Date Received: 2022-03-05T12:00:00-05:00
Date Sent to Company: 2022-03-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX reduces my credit score and failed to prove why. I have not applied fir any credit. I paid off a debt. My score should have increased instead of decreasing. Where do I report XXXX because it appears that the CFPB is useless. I have always been told that creditors and reporting agencys target XXXX I feel XXXX decreases my credit score in an effort to prevent me from having a good score when Portfolio Recovery falls off. It appears to me that this company is unfairly tampering with the credit scores of consumers with poor credit to make money. I personally think this is how this company makes money. Due to the fact that the CFPB takes no action against them and allows them to govern themselves and the outcome is the reason so many people are homeless age without transportation. Portfolio recovery us illegally coming after me fir a debt that has been discharged years ago. Portfolio recovery is not being honest about the open date.
Frequently Asked Questions
What is Complaint #5290317 about?
Complaint #5290317 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 2022-03-05T12:00:00-05:00.
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.