Reply
Valued Member
Posts: 43
Registered: ‎07-17-2011
0

Ahhh Snap!! Portfolio Recovery Is Removed!!!

Oh happy day!!! I just pulled all three credit reports (EQ=MyFICO, TU=MyFICO, EX= Experian.com) and discovered that Portfolio Recovery (2 seperate tradelines) has been removed!!!  For the past 2 months I have attempted to have the 2 negative tradelines validated to no avail.  Portfolio Recovery continued to report theese alledged debts but didn't bother responding to my requests for validation.

 

I finally got fed up and sent the following letter to Portfolio Recovery as well as sending a dispute and request for deletion to the CRAs. IT WORKED!!!!

 

** DOING THE HAPPY DANCE **

 

Today's Date

 

Portfolio Recovery & Affiliates
Riverside Commerce Center

120 Corporate Blvd., Suite 100
Norfolk, VA 23502-4962

 

Re:  Acct # XXXX and XXXX



FDCPA - Section 809(b) "Validation of the debt" requires debt collectors to obtain verification of the debt from the creditor and mail it to the consumer.


To Whom It May Concern,

Attached is a copy of my initial request for validation of the alledged debts noted above, dated (date of letter) and received by your offices on (certified mail receipt date).  As of today, (today's date) I have not received the requested validation. Therefore, pursuant to the Fair Debt Collection Practices Act, this alleged debt must be immediately removed from my credit file with Equifax, TransUnion, and Experian.  Invalidated debt reporting is a violation of the FDCPA.

This request is being sent by certified mail to insure confirmation of delivery and receipt. If your offices fail to respond to this request within 15 days from the date of your
receipt, I will have no other recourse but to file a lawsuit on the basis of defamation, and violation of the FDCPA, section 809 (b). Please send me written confirmation of deletion of this account from my credit file immediately.

Regards,

 

Your Name

Your Mailing Address




Starting Score: 07/17/11 EQ FICO 616 TU FICO 619
Current Score: 09/27/11 EQ FICO 655 TU FICO 673
Goal Score: EQ FICO 700 TU FICO 700


Take the FICO Fitness Challenge

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Ahhh Snap!! Portfolio Recovery Is Removed!!!

Congrats!

Valued Member
Posts: 43
Registered: ‎07-17-2011
0

Re: Ahhh Snap!! Portfolio Recovery Is Removed!!!

Thank you!! :smileytongue:


Starting Score: 07/17/11 EQ FICO 616 TU FICO 619
Current Score: 09/27/11 EQ FICO 655 TU FICO 673
Goal Score: EQ FICO 700 TU FICO 700


Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.