Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9043054
Complaint Overview
Complaint ID: 9043054
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Wisconsin
ZIP Code: 547XX
Date Received: 2024-05-18T12:00:00-05:00
Date Sent to Company: 2024-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Regarding Fraudulent Debt Claim by Portfolio Recovery Associates Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/year>. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXXXXXX 's data breach. This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and Portfolio Recovery Associates directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of Portfolio Recovery Associates violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by Portfolio Recovery Associates violates this requirement. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by Portfolio Recovery Associates constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Portfolio Recovery Associates correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #9043054 about?
Complaint #9043054 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-18T12:00:00-05:00.
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 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.