Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Filing with XXXX XXXX, Florida Police : Case # XXXX XXXX In XX/XX/XXXX, I moved here from XXXX  relocating XXXX me, my dog and nothing else, in silence. I was in a situation where it was pay my debt, which I accumulated in survival, or take everything I had to live here. I could not pay my debts and did not pay much attention to my credit or credit report. 

In XX/XX/XXXX I received and attended a call from a debt buyer Portfolio Recovery ) and assuming I owed this debt, I made arrangements. I struggled to pay this debt collector and did not reach out further until I was put on a call with the magistrate and the attorney. 
I was then wage garnished of over {$1000.00} even after sending the attorney {$2500.00} in XX/XX/XXXX to resolve this and do what I needed to do to get this to stop. Added Notes : XXXX - I have paid a total of {$3600.00} and Portfolio Recovery has actually lost a payment that was garnished and not recorded. It did not apply but was taken. 

In XXXX XXXX, upon finally reviewing my credit report and working on what I can and after paying this debt collector, I realized this was not mine! I reviewed with all XXXX credit bureau 's and it was proven not to be mine. I have been in consistent communication with Portfolio Recovery ( debt buyer ) and Attorneys of XXXX and XXXX so many times and even filed several appeals. I have sent numerous documents, been on so many calls I can not count, and have sent credit reports to prove this is not mine. I am also filing this report to stop the calls and harassment and pursuance of money I do not owe. 

On XX/XX/XXXX I came home to a letter saying they did their own XXXX XXXX XXXX XXXX attorneys representing Portfolio Recovery ) investigation and ruled in their own favor. I called their office to advise of this appeal again and was asked if I have any documents stating this is not my debt, how can I possibly have anything when I don't own this debt? 

I am filing this report in hopes that, even though I take accountability for being naive, that these attorneys stop with the harassment. 
My credit reports, then and now are attached as well as all I could possibly attach. 

Please file this report, this needs to stop and I would like my misappropriated funds back to apply to debts I do in fact owe. I am trying to do the right thing. 

Sincerely, XXXX XXXX XXXX to Portfolio recovery : XXXX Fr : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Tracking : XXXX XXXX  : {$5.00} RE : Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Dear Portfolio Recovery team, This letter is in regard to the XXXX account XXXX Acct # XXXX ) that is listed on my account/name and that I have paid on, over {$3500.00} to Portfolio Recovery ( {$2500.00} payment and ( XXXX ) $ XXXX garnishments ). 

I left several debts outstanding, not to be ignorant but to survive. This is not XXXX of them. Having to relocate early XXXX, and start over here in XXXX, I had not paid much attention to my credit report, until this year and I can say this XXXX account is NOT mine. 
I have been paying you and was garnished over an account that was/is not mine and I would rather apply those funds to accounts that are mine. I am working on clearing up my credit and did not realize I was paying on this instead of what I should have been. 

I have attached all XXXX of my credit reports for your review. There are other closed accounts & some paid, that again I am currently working on a resolution on these. I would like to resolve what is mine, but I would also like the funds back that were misappropriated. 
Please see the ( XXXX ) attached credit bureau reports, I am and have contested this and XXXX is not mine. 

I know this is business for a debt buyer but I am a human who had to make tough choices. But this XXXX account was not XXXX of them and again, it is not my debt. 

I appreciate your review of this matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief