Portfolio
Date: Sun, 07/01/2007 - 16:16
If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered.No further replies will be forthcoming unless you provide the information we need to assist you.Our office considers this matter closed.
Sincerely,
Disputes Department
1. they never sent me anything
2. how could it have been resolved
3 I thought that frivolous was just when you were requesting from the cb
Have i done something wrong? Any help is greatly appreciated.
HMMM..I have never dealt with Portfolio or received a letter of
HMMM..I have never dealt with Portfolio or received a letter of that nature. As long as you are positive you did not receive anything from them stemming from your original request, I would try to contact them again in writing and send it via registered mail with delivery confirmation. Be clear and polite about the situation and ask that they resend the original validation. ALSO...send a copy of the letter to the original creditor, the Attorney General in your state as well as the Attorney General in Portfolio's state and let Portfolio know you are doing so.
My guess is they will send you validation or just pass the account along elsewhere.
Good Luck!
Well therein lies the problem as i do not know who the original
Well therein lies the problem as i do not know who the original creditor is. On my credit report it says MRC RECEIVABLE CORP. But every thing i can find on them states they are a ca.And i know that a ca cant be the original creditor.so i do not know what else to do.
The collection agency must have listed who the original account
The collection agency must have listed who the original account was with. If you have nothing indicating who it is, that is definitely a huge bright red flag. Call them and ask them who it is if you don't have anything. It is strange that they don't list the original creditor...all of the notices I have receive name them. BUT...if that is the case, then there is definitely something very wrong and I would be writing the AG in your state and Portfolio's state immediately.
They are trying to confuse you by denying you dispute as a credi
They are trying to confuse you by denying you dispute as a credit bureau related item. Write them a love note explaining this is a demand for complete validation that must be satisfied under fdcpa and remind them that this letter you have received is their one and only free violation they will get.
Cajun is right. That letter, I would think, would be a violatio
Cajun is right. That letter, I would think, would be a violation of the fdcpa. They haven't resolved anything.
yes, cajun is on the money here. Even if you did dispute someth
yes, cajun is on the money here. Even if you did dispute something with them, this is not a satisfactory answer as far as the law goes. I think they are just trying to sucker you with a bunch of legal-sounding terms and wording, actually. Dont fall for it....send off the DV letter. They are bound by the fdcpa to properly handle a validation request, and if they dont you will have recourse.
When you send them the DV letter(by certified mail RRR), be sure to enclose a copy of the letter they sent you. Let them know that this letter is a clear violation of the FDCPA, as they are not allowed to refuse to provide validation when it is asked for. That way, they will know that you know the law, and it just might be enough for them to stop screwing around.
