This CA is really making me mad! They just won't quit. BTW - this account will fall off my CR's in December 2008 so I guess I'm just trying to fight for what is right at this point. Below is a timeline of the exchange of correspondence between the CA (Port Recovery Assoc) and myself. What should I do next? Is it time to contact an attorney? Thanks for the help! Cathleen
10/08/07 - send request for DV via CMRRR; received by PRA on 11/12/07.
10/17/07 - received Affidavit of Ownership and Sale of Claim from PRA.
11/02/07 - send second request for DV via CMRRR; received by PRA on 11/08/07.
11/19/07 - received response to DV letter from PRA. Response provided account holder's name, original creditor, date account opened, date of last payment, amount of last payment, CA date of purchase, OC charge-off date, balance, and account number.
11/30/07 - sent complaint to the AZ Dept of Financial Institutions (AZDFI), AZ AG, VA AG, and FTC. Cc'd PRA via CMRRR.
12/04/07 - PRA received copy of the complaint.
12/06/07 - received letter from the AZ AG office stating that they were forwarding my request to the AZDFI.
12/10/07 - received letter from the AZDFI stating they had received my request.
Looking at past credit reports I've pulled, it looks like they are reporting EVERY month. They haven't been licensed as a collection agency in Arizona since February 1, 2006. There has to be some sort of violation on their part.
01/16/07 EX - Jan 2008
12/31/07 EX - Dec 2007
11/21/07 EX - Nov 2007
10/22/07 EQ, EX, TU - Oct 2007
09/20/07 EQ, EX - Sep 2007
10/22/07 (FICO) EQ 544 EX 520 TU 518
03/04/08 (FICO) EQ 606 EX 599 TU 601
04/24/08 (FICO) EQ 600 EX 580 TU 608
06/02/15 (FICO) EQ 578 EX 561 TU 589
