Debt collection -- Attempts to collect debt not owed -- Complaint #5839518
Complaint Overview
Complaint ID: 5839518
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: New York
ZIP Code: 11520
Date Received: 2022-08-03T12:00:00-05:00
Date Sent to Company: 2022-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist. Portfolio Recovery Associates continues to report NEGATIVE information. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. Each violation applied : {$8000.00} due for each violation. - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, a risk to my livelihood, mental health, and physical health. As stated above, Portfolio Recovery Associates has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Portfolio Recovery Associates must disclose my right to opt out and has committed fraud, which has no statute of limitations
Frequently Asked Questions
What is Complaint #5839518 about?
Complaint #5839518 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 2022-08-03T12:00:00-05:00.
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 (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.