Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5743104
Complaint Overview
Complaint ID: 5743104
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: Was not notified of investigation status or results
State: California
ZIP Code: 92081
Date Received: 2022-07-06T12:00:00-05:00
Date Sent to Company: 2022-07-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Again, this is evidently a company PORTFOLIO RECOVERY ASSOCIATES XXXX I did not have a contractual relationship with. How are they claiming I owe them a debt? They failed to send me proof that this account belongs to me along with the name, and address. Another account under the same company PORTFOLIO RECOVERY ASSOCIATES Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2021 I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting.
Frequently Asked Questions
What is Complaint #5743104 about?
Complaint #5743104 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 2022-07-06T12:00:00-05:00.
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.