Debt collection -- Attempts to collect debt not owed -- Complaint #6591540
Complaint Overview
Complaint ID: 6591540
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: Maryland
ZIP Code: 20747
Date Received: 2023-02-19T12:00:00-05:00
Date Sent to Company: 2023-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX I sent in my letter stating that I don't owe this alleged debt and asked for verification for the alleged debt your company has violated my rights. 1.Under 15 USC Section 609 ( a ) ( 1 ) ( A ) You are required to provide me a contract with my wet signature on it. You haven't provided me with anything. 2.Under 15 USC 1692g ( a ) You were to notify me in 5 days after intial communication. You have violated that right. You haven't responded to anything. 3.Under 15 USC 1692e You have created a False impression of the legal status of my alleged debt even if it was my debt it is uncollectible by law. I further remind you that wengner vs. transunion corp., no. 95-6445 ( C.d.c.nXXXX XXXX XXXX ) you may be liable for your willful noncompliance. Failure to delete these accounts may result in legal actions being taken in small claims court against your company seeking {$1000.00} per violation : 1. Defamation 2.Negligent Enablement of Identity Fraud Per FCA 3.FDCPA 15 USC 1692g violations 4.FCRA 15 USC 1681 violations for willful noncompliance A copy of this will be CC 'D to FTC XXXX MY ATTORNEY GENERAL
Frequently Asked Questions
What is Complaint #6591540 about?
Complaint #6591540 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 2023-02-19T12:00:00-05:00.
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.