Date Received: 2017-05-03T00:00:00
Product: Credit card debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency Portfolio Recovery Associates XXXX XXXX . On my XXXX credit reports ( XXXX XXXX XXXX ) . I have disputed this item many times myself, as well as XXXX XXXX XXXX ( which during this process it WAS removed from my report & placed back on without giving me any notice within 5 days ) only to have it still remain on my XXXX credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when Portfolio Recovery Associates XXXX purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a XXXX XXXX XXXX letter to Portfolio Recovery asking for VALIDATION o f this debt. A contract, signature, amount owed, how much they ( PRA ) purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL XXXX credit bureaus within a timely manner & to NOT be placed back onto my credit reports.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: OH 430XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2473740
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