Consumer complaint received 2026-06-07 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: IN

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX VA XXXX for continuing to place collection calls to me after receiving multiple written requests to stop contacting me by telephone. This is not my debt and due to identity theft. This needs to be removed off my credit reprots immediately and would like compensation for the continued harrassment. On XX/XX/year>, I sent a written notice directing Portfolio Recovery Associates to cease telephone communications with me. Despite receiving this notice, the company continued to call me. On XX/XX/year>, I sent a second written notice again instructing Portfolio Recovery Associates to stop calling me. Despite this additional written request, the company has continued to place collection calls to my telephone number. My telephone number is also registered on the National Do Not Call Registry. While debt collectors may claim certain exemptions from the Do Not Call Registry, I specifically exercised my right to request that Portfolio Recovery Associates cease telephone communications with me. Their continued calls after receiving multiple written notices are unwanted, harassing, and appear to violate federal consumer protection laws governing debt collection practices. I request that the CFPB investigate Portfolio Recovery Associates ' continued telephone contact after receipt of my written cease-communication requests and require the company to stop all telephone communications with me. I also request that the CFPB review whether the company 's conduct violates the Fair Debt Collection Practices Act and applicable CFPB debt collection regulations. I can provide copies of my written notices dated XX/XX/year>, and XX/XX/year>, as well as records of the calls received after those dates.In addition to continuing to call my personal telephone number, Portfolio Recovery Associates has also contacted my place of employment and left voicemail messages. These communications are particularly concerning because they create the risk of disclosure of my alleged debt to XXXX parties and interfere with my employment. Portfolio Recovery Associates has also placed calls and left voicemail messages outside of the hours permitted by federal law. On at least XXXX occasion, a voicemail message was left at approximately XXXX p.m. local time, after the XXXX p.m. cutoff established under the Fair Debt Collection Practices Act. My telephone number is registered on the National Do Not Call Registry, and I have repeatedly notified Portfolio Recovery Associates in writing that I do not consent to telephone communications. Despite these requests, the company has continued its collection efforts by telephone. I believe Portfolio Recovery Associates ' conduct may violate the Fair Debt Collection Practices Act, including provisions relating to communications after a written request to cease contact, communications at inconvenient times, and improper communications involving my employment. I also have voicemail messages that can be forwarded to you I request that the Consumer Financial Protection Bureau investigate these actions, require Portfolio Recovery Associates to cease telephone communications with me, and take any appropriate enforcement action for violations of federal consumer protection laws. Also well as removing information off credit report.

Company response to consumer: Closed with non-monetary relief