Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute and Complaint Regarding Identity Theft and Data Breach XXXX, XXXX, and XXXX  To Whom It May Concern, I am writing to file a formal complaint and dispute with the Federal Trade Commission ( FTC ) regarding significant breaches of my personal data by XXXX XXXX XXXX XXXX These three credit reporting agencies failed to properly protect my information, resulting in identity theft and unauthorized use of my personal and financial data.

This letter is submitted under the authority of Title 15 of the U.S. Code, Section 1681 et seq., commonly known as the Fair Credit Reporting Act ( FCRA ). These agencies are required by law to maintain reasonable procedures to ensure the accuracy, privacy, and security of consumer information. I believe that all three institutions failed to meet these legal obligations.

Summary of the Incident My personally identifiable information ( PII ) including my full name, Social Security number, date of birth, and credit detailswas compromised due to data security failures by XXXX XXXX XXXX XXXX. As a direct result, I have suffered : Identity theft ( including the unauthorized use of my information to open or attempt to open accounts ) Fraudulent credit inquiries appearing on my credit report Emotional XXXX, loss of time, and increased expenses due to corrective measures These impacts have created unnecessary hardship and exposed me to continued risk due to the inadequate safeguards these agencies had in place prior to and after the breach.

Legal Basis Under 15 U.S. Code 1681e ( a ), consumer reporting agencies are legally required to implement procedures to prevent unauthorized access and ensure maximum possible accuracy. These breaches demonstrate a failure in that duty of care. Additionally, these companies may be in violation of other sections of the FCRA concerning notice, remediation, and correction procedures for affected consumers.

Actions Requested I respectfully request the FTC to : 1. Investigate XXXX XXXX XXXX XXXX for potential violations of the Fair Credit Reporting Act, especially concerning security protocols and breach notification obligations.

2. Take enforcement action against any or all of these agencies, including civil penalties, mandates for better data protection, and requirements to offer full remediation to victims.

3. Ensure that affected consumers, including myself, receive ongoing credit monitoring, fraud protection, and other necessary support services at no cost.

4. Advocate for regulatory changes or increased oversight to prevent future incidents of this kind from happening again.

Supporting Documentation ( Available Upon Request or Enclosed ) Government-issued identification Credit reports from all three bureaus showing unauthorized accounts or inquiries Any communication received from the bureaus acknowledging the data breaches Police report or FTC Identity Theft Report ( if applicable ) Final Statement As a U.S. consumer , I am deeply concerned about how carelessly my sensitive personal data was handled by companies entrusted with securing itXXXX XXXX XXXX XXXX XXXX hold a near-monopoly over consumer credit reporting and are federally regulated for a reasonbecause consumers have no choice but to trust them with private data. 

This trust has been violated.

I request a full investigation into these matters and urge the FTC to use its authority under Title 15 and any other applicable laws to hold these companies accountable for their systemic failures. I also request to be informed of any updates or findings related to this complaint.

Thank you for your time and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief