Debt collection -- Attempts to collect debt not owed -- Complaint #5913520
Complaint Overview
Complaint ID: 5913520
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Indiana
ZIP Code: 46902
Date Received: 2022-08-24T12:00:00-05:00
Date Sent to Company: 2022-08-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery violated federal consumer protection laws meant to protect me in two ways : First, by demanding payment of a debt via credit reporting that Portfolio Recovery couldnt prove was valid ; and by failing to verify the accuracy of the information they reported to credit reporting agencies. I have never owed a debt to the company they are alleging ; moreover, by inserting a collection item on my credit report, they are attempting to collect a debt - a debt that they have not sent a dunning letter for. The Massachusetts AG, along with countless law firms, have brought successful legal actions against Portfolio Recovery for attempting to collect debts not owed and various misrepresentations, which is what is happening to me. I have already filed a complaint with the Indiana AG and am researching legal remedies for Portfolio Recovery 's unwarranted attack on my credit, my character and for violations of FDCPA and FCRA.
Frequently Asked Questions
What is Complaint #5913520 about?
Complaint #5913520 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 2022-08-24T12:00:00-05:00.
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.