Portfolio is trying to mess with me

[Anonymous]

I checked my credit report about 4 weeks ago and a debt with Portfolio that is still being shown as supposed to fall off in July 2008 said it had a recent payment of $38.  I disputed it and it is now coming back as verified and that that amount is still a recent payment.  What should I do?

Leave it alone and let it fall off?  DV Portfolio?  I feel like they are up to something but I am not sure what.  I have not even spoken to these people and there is no way they could possibly prove that I have made any kind of a payment to them.  Any ideas?

[Junejer]

What's your state's SOL? They are trying to keep SOL alive. DV them. They have to send you copies of statements, payments, etc.

[Anonymous]

I incurred the debt in North Carolina and Illinois, I have paid nothing on this debt since 2001.  I now live in Texas.  So I guess any of these three states could be considered in using SOL. They are also reporting this as an installment account.  I dont know if this makes a difference. It was a Sears Credit Card originally.

[Anonymous]

As long as this is considered an open account--the SOL would have long ago expired--in any of these states.  Actually, the only SOL that they could even possibly get me on is written contract in Illinois, but I didnt stop paying until i hit NC--so.......

[Junejer]

Why would it be a written contract. Even still, if DOFD is 2001, they are past SOL in all three states. I would DV them.

[Anonymous]

The slimeballs did the same thing to me. DV them. Send the letters to all 3 of their addresses/Corp names in VA. Deny making the payment, demand they provide proof of the 'payment'. File complaints with your AG and the VA AG, VA BBB.

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mbush12 wrote:

I checked my credit report about 4 weeks ago and a debt with Portfolio that is still being shown as supposed to fall off in July 2008 said it had a recent payment of $38.  I disputed it and it is now coming back as verified and that that amount is still a recent payment.  What should I do?

Leave it alone and let it fall off?  DV Portfolio?  I feel like they are up to something but I am not sure what.  I have not even spoken to these people and there is no way they could possibly prove that I have made any kind of a payment to them.  Any ideas?

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[Anonymous]

mbush12,  send the CA a DV  CMRRR   ate the same time file a complaint with your AG  their AG and the FTC    complaint that they changed the DOLA and verified it with the CRAs......keep copies of everything!!