Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint regarding a collection account reported on my credit file, which I have no knowledge of and am unaware of its validity. I believe this account has been reported inaccurately, and I would like your assistance in resolving this matter.

Specifically, I am raising the following concerns : 1. Lack of Knowledge : I have no prior knowledge of this alleged debt, nor have I ever entered into an agreement related to this account.

2. No Opportunity to Dispute : I was not provided with an opportunity to dispute this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. Failure of Proper Notification : I did not receive any proper notification regarding this debt. If the reporting agency or collector believes I was notified, I request evidence in the form of a certified mail receipt with my signature confirming receipt. 

If the reporting agency or collector can not provide this information, I demand the immediate removal of this account from my credit report. Should this issue remain unresolved, I will pursue legal action for damages resulting from this inaccurate reporting and violation of my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

I trust the CFPB will take this matter seriously and conduct a thorough investigation to ensure compliance with federal laws. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter. 


PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- Balance Owed : {$380.00} {$380.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Other Collection Agencies Other Collection Agencies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
-- Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- PORTFOLIO XXXX XXXX XXXX Account # : -- -- XXXX High Balance : -- -- {$380.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$380.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$380.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -

Company response to consumer: Closed with explanation