We sent them a PFD and they never responded. We disputed it with all 3 bureaus and it came back verified. We were feeling pretty defeated. We never paid them. I posted something about Portfolio Recovery and someone told me to file complaints with the BBB - so that's just what I did.
This is what I sent and the response I got from them. Hope this helps anyone that needs it! Obviously I would suggest personaliing it to your situation.
Sorry but it's not pulling up for me.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
This may help anyone wanting to dispute with them:
Portfolio Recovery Associates Attn: Disputes Department
140 Corporate Blvd. Norfolk, VA 23502
Telephone # is (800) 772-1413 ext 10181 and fax # is (757) 321-2519
Okay here is the photo that was not showing up!
Hope this works now 
<a href="http://s1305.beta.photobucket.com/user/sarahk131/m
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