Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I don't know anything about this debt.i was NEVER notified they served a address I didn't live at.garnished my wages and my job ( XXXX ) wouldn't give me information so I didn't even know who was stealing my money or from what court. I called and asked & mailed proof of delivery verification letter and they wouldn't respond. 


I am filing this complaint because a debt collector and/or a collection law firm has reported or attempted to collect debts that are not mine, and they have failed to respond to my written requests for debt verification and information verification under the Fair Debt Collection Practices Act ( FDCPA ). 



I sent proper written requests for validation and verification, and the collectors and attorneys did not provide : the original creditor name, the chain of title/ownership, the amount of the debt with explanations, supporting documentation, proof that I owe the debt, or any response at all. 



Instead, they continued to : attempt to collect the alleged debt, report the account to credit bureaus, ignore my dispute letters, and refuse to provide verification as required by law. 



In addition, the credit bureaus have also violated the Fair Credit Reporting Act ( FCRA ) because they : continued reporting accounts I disputed as not mine, failed to conduct a reasonable investigation, did not remove inaccurate information, relied only on the collectors automated responses, failed to provide specific details of the investigation, and allowed unverifiable information to remain on my credit reports. 



The debt collectors and the collection lawyers have also refused to identify themselves clearly or provide proper written correspondence, even though I asked for their company name, address, and verification details. Some provided contradictory or unclear information. 



These actions violate : FDCPA 809 ( b ) failure to provide debt verification FDCPA 807 & 808 misleading and unfair practices FCRA 611 failure to reasonably investigate disputes FCRA 607 ( b ) failure to maintain accurate records I am asking the CFPB to : Require the debt collectors and collection attorneys to provide full and proper debt verification. 
Require the credit bureaus to remove all unverified and inaccurate information from my reports. 
Investigate why my dispute and verification requests were ignored. 
Require the collector ( s ) to stop reporting or collecting until proper verification is provided. 
Ensure all companies comply with FDCPA and FCRA obligations. 




I have copies of my written verification requests, letters, dispute submissions to the credit bureaus, and call logs showing these companies ignored my requests. I can provide all documentation to support my complaint. 











Short Version ( if you need it for the small CFPB text field ) Debt collectors, a collection law firm, and credit bureaus have failed to respond to my written FDCPA verification requests for debts that are not mine. They continued to collect and report the alleged debts without providing any proof. The credit bureaus failed to conduct a real investigation and left inaccurate information on my reports. I request CFPB intervention to require verification, remove unverified debts, and investigate these violations.

Company response to consumer: Closed with explanation