Portfolio Recovery Associates, LLC.
Date: Wed, 07/14/2010 - 18:21
I didn't know how to do this, so I (stupidly) ignored it.
Fast forward a bit and I get a second call (probably 2 months later) and I guess the debt is back in collections at the process starts over. Today I got a letter that they requested I "send additional information pertaining to the account referenced", and that they "could [not] complete the investigation of the alleged dispute."
contact phone number left was 800-772-1413
What do I need to do? I checked my 3 credit reports and Portfolio is not listed (nor is the citibank account), also when they called me they said I owed $2700+, which I'm not 100% sure, but I don't think it's the same amount (I am hunting for the original letter now).
I assume a debit validation letter is in order here? the sample validation letter at http://www.debtconsolidationcare.com/letters/sample6.html seems like the right course of action omitting the part about portfolio on my credit report (they aren't listed on my credit report).
Any help is appreciated. DELETED..PM
-Andy
You should send them the debt validation letter via certified ma
You should send them the debt validation letter via certified mail, requesting a return receipt. As for the sample letter, yes you should change the wordings as per your circumstances.
basically re-send your dispute as it is not up to you to prove y
basically re-send your dispute as it is not up to you to prove you don't owe it,but up to them to prove you do owe it.basically they never sent you a dunning letter.then send them a DV letter as lisa stated certified mail return receipt.this is a complete bottomfeeder.use the address they gave.
Since you're not sure or aware of the Citibank account, simply s
Since you're not sure or aware of the Citibank account, simply send the collection agency a debt validation letter. Send it via certified mail return receipt which will help you to know when the agency has received it. As per the law, the collection agency should contact you within 5 days from the day they receive the letter. I agree with paulmergel that it's the CAs' duty to validate the debt not yours.
If you don't get a response from the CA within 30 days, you can file a case against them with the Federal Trade Commission or your State Attorney General.
If you're sure that you don't owe the debt, you may also send a 'Cease and Desist letter' which states that you don't owe the debt and they should stop contacting you immediately.
