Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7177440
Complaint Overview
Complaint ID: 7177440
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: Their investigation did not fix an error on your report
State: Wisconsin
ZIP Code: 53218
Date Received: 2023-06-27T12:00:00-05:00
Date Sent to Company: 2023-06-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter
Frequently Asked Questions
What is Complaint #7177440 about?
Complaint #7177440 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 2023-06-27T12:00:00-05:00.
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.