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Are you past SOL? If so DV the CA
mbush12 wrote:One of my accounts is reporting a recent payment that I have never made. Portfolio Recovery services is saying I made a recent payment of $38 when I have not even spoken to them. The fall off date has not changed, but I was just wondering if this is illegal.They are also making hard pulls on my TU credit report of 3 months. I have read the thread about disputing these and will be writing them a letter.