Portfolio Recovery Associates Unknown complaint on 02/23/2019

Issue

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from PORTFOLIO RECOVERY in XX/XX/2018 in the amount of {$470.00}. First and foremost, I have confirmed that the debt collector, PORTFOLIO RECOVERY is not licensed in the state of Texas to collect on this debt. Secondly, PORTFOLIO RECOVERY violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to PORTFOLIO RECOVERY? I have never heard of them, have no written contract with them and have never received any benefits from them, yet PORTFOLIO RECOVERY has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$470.00}.

Received: 02/23/2019

Debt collection: Unknown

Debt Verification: Right to dispute debt notice not received

Portfolio Recovery Associates Response

This issue was responded to within 15 days by Portfolio Recovery Associates

Debt Pro Tips

Will paying a collection agency improve my credit score?

If a consumer has multiple accounts in collection, the credit score improvement from paying off a single account may not be much. If you can get all of your collection accounts to report paid with a zero outstanding balance, then you can begin rebuilding your credit.

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What's in my credit report?

Credit reports contain identifying information, trade lines, credit inquiries and public record and collections information. Your credit report will often have discrepancies between Equifax, Experian and Transunion, and you have the right to correct any innacurate or incomplete information.

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What are the major Credit Reporting Agencies?

The three major credit reporting agencies, or credit bureaus, are Experian, Equifax and Transunion. Each agency will have various scoring models for a consumer, the most common of which is the FICO score.

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The FDCPA outlines consumer rights as debtors

The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to protect consumers from 3rd party debt collectors by limiting debt collector behavior and providing penalties for violations.

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You have 30 days from initial contact to request verification of the debt

The FDCPA gives consumers(debtors) the have the right to request verification of a debt(Also commonly called debt validation). The request must be within 30 days of receiving the debt validation notice from the collector. Once the letter has been received, the collector must stop attempts to collect until it responds to your validation request. To prevent the collector from disputing your request was sent, send it via certified mail with return receipt requested.

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