Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8770279
Complaint Overview
Complaint ID: 8770279
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 622XX
Date Received: 2024-04-14T12:00:00-05:00
Date Sent to Company: 2024-04-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I looked at my report on XX/XX/2024 and Noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. In accordance with the Fair Credit Reporting Act 15 USC 1681 and Fair Debt Collection Practices Act 15 USC 1692, 15 USC 1681 Section 602A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681eb, 15 USC 1692 Section 805 A 1. Violated My Rights. Credit Reporting Agencies `` XXXX, XXXX, XXXX '' have violated my rights. XXXX Case Number : XXXX Bankruptcy are not reported by Bankruptcy Courts and must be Deleted from my Credit Report as the CRA did not receive written permission to place on my credit file. XXXX. Violated my Rights & Payment History " PORTFOLIO RECOV ASSOC '' Account Number : XXXX Please investigate and delete from my credit report. . Violated My Rights to Privacy & Payment History : " XXXX XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. XXXX Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX XXXX Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXXXXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off XXXX R Never Received XXXX. Violated My Rights to Privacy " XXXX, XXXX, XXXX '' Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Not My Address XXXX. Violated My Rights to Privacy " XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The inquiry was not authorized RFC OF IL # XXXX Date of inquiry : XX/XX/2024 Please correct/update this inaccurate information on my credit report. XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History XXXX XXXX XXXX XXXX XXXX Account Number : Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received 13. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX - OF '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX - OF '' Account Number : XXXX Please remove this inaccurate information from my credit report. 15 USC 1681 Section 602A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 805 A Section 3 States all the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Frequently Asked Questions
What is Complaint #8770279 about?
Complaint #8770279 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-04-14T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 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.