Date Received: 2017-10-01T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This collection account is not mine. I do not own Portfolio Recovery.

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a ” Time Barred Debt ” after 4 years.

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX.

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n’t remember even having an account from XXXX XXXX XXXX.

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.


State/Zip: CA 902XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2689221

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.