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I sent a Texas debt Validation to them and they responded with the following information:
OC, SSN, Name, Date Sold 12/19/2013, amount $308.11, date account was opened, and the remaining balance. They did not state anything that I recognize as a the Texas Bond etc. What do I do now?
Experian
Portfolio Recovery Associates
Date opened: 12/2013
First Reported: 8/2014
Date of Status: 8/2014
Original Amount: $308
Recent Balance: $283
Recent Payment: $25
Scheduled to drop off 2/2020
Original Creditor: Walmart
Date Opened 3/2007
First Reported 10/2008
Date of Status 12/2013
High Balance $386
Recent Balance: 0
Closed $137 Written off
Transunion
PRA
Placed for Collection 12/2013
Loan type: factoring company account
Balance $283
Date updated 8/7/2014
Last payment 3/1/2014
Past Due $283
Estimated to drop off 4/2020
Walmart
Date opened 3/9/2007
Date Updated 1/6/2014
Last Payment made 3/27/2013
Original charge-off $137
Date Closed 12/4/2012
They did not send me anything in regards to a Texas bond. What would I do next? Does anyone know if they are bonded in Texas
file complaints with the CFPB @ BBB and let them know how they are reporting, let them know that they did not send you the surety bond & how they are reporting and that you never sent them a payment.
Any success with getting the complaint addressed?
I sent he followup debt validation. My nex move was to file a complaint with BBB along with disputing with CRA with copies of the leers I sent them. It was removed from all three CRAs two weeks ago!
That's great! I'm currently in phase 2 of the DV letter mission. Only TU still reports the collections.
Good luck!! For a while there I only saw minimum improvement but after everything has begun to fall off except for two or three things I have seen some jumps in scores.
@Anonymous wrote:I sent he followup debt validation. My nex move was to file a complaint with BBB along with disputing with CRA with copies of the leers I sent them. It was removed from all three CRAs two weeks ago!
What is the follow up letter? I'm in the exact same situation as you. They sent me all of that information except the bond info. What did you do next? Please help...