Portfolio Recovery Associates Deletion Success!!!

[Anonymous]

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@Anonymous wrote:

Does anyone know how in depth or detailed the complaint to BBB or CFPB needs to be?  Would you include old statements, credit reports, etc, to show the account was re-aged and the CA is reporting erroneous info?

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I included the screen caps of my CR that showed the vastly different DOFD and the area where it showed payments being made to them when there were none. It can't hurt, and the process is pretty painless. I did get thrown off that after my complaint was filed, they showed the response from PRA. From there is where you choose to not accept their answer and have the CFPB investigate further. I had thought they were closing my complaint, but it was my misunderstanding.

[Anonymous]

Great and thanks!  I'm getting all my paperweork together now, which is ALOT.

[Anonymous]

Good luck! 

[Infiniti515]

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@Anonymous wrote:

I guess the cfpb is looking into my complaint, the status updated on equifax as contested and being reinvestigated. Not sure about the others yet. 

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@Cthulhunoodle

I have done the same. I filed a complaint with CFPB after PRA's dismissive and poor attempt at validating the debt. They responded to CFPB reiterating that this debt is valid blah blah blah but they have struck a nerve with me and made me more determined because they didnt even address my issues with their ridiculous response, if they are wrong they need to admit it and fix the issue! I will keep following all the avenues available to me to ensure PRA doesnt win. The CFPB is now investigating my complaint. 

My advise too is keep a copy of everything that you receive or send these guys because they are relentless. Reason being for example in their so called validation to me I  found more errors. There validation stated I never made payments, yet they are reporting payments and past due amounts and different dates etc on my reports!!!. I am going over every piece of communication with them and comparing it to my credit reports and I have filed a BBB complaint as well and I am in process of putting all my "evidence" together for the attorney general next. I also disputed with credit bureaus prior, and the account came back verified so PRA cant blame inaccurate reporting on them.

If need be I will get an attorney to pursue this is in court, they have deep pockets they can send a couple thousand my way...lol

By the way I feel like the more complaints that BBB and CFPB gets about the same unlawful tactics with PRA, maybe they can then be forced to shut down or change their business tactics!!

[Anonymous]

So, I spent about a two hours reading through 64 pages of posts and I didn't encounter anyone whose debt is past the SOL. I have PRA showing on all my credit reports. It originally was a Cap1 CC and it shows it was charged off as $742. PRA owns it now according to my report and its $842.

3 Questions:

The DOFD is 08/2010 and my state is California with an SOL of 4 years. What is my best option on getting them off my credit report?

I was thinking of  PFD. Are there any other alternatives?

I have not done a DV yet. Should I?

[baller4life]

Yes. Send dv first

[Anonymous]

Whoa! It took HOURS to read through this entire thread but I am very happy I did. It made me refer back to my recent credit reports to see how collection agencies were reporting.

The following comes from a Transunion report I ran 3/4/2015 (& note I made additional comments as well below individual items to include other findings):

HOLLOWAY CREDIT SOLUTIONS, LLC

Placed for collection: 11/10/2010

Responsibility: Individual Account

Account Type: Open Account

Loan Type: COLLECTION AGENCY/ATTORNEY

Balance: $55

Date Updated: 01/06/2011

Original Amount: $55

Original Creditor: MEDICAL-CENTRAL NEUROLOGY CLINIC (Medical/Health Care)

Past Due: >$55<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 04/2017

MEDICAL DATA SYSTEMS INC

Placed for collection: 07/20/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: COLLECTION AGENCY/ATTORNEY

Balance: $100

Date Updated: 10/15/2012

Original Amount: $100

Original Creditor: MEDICAL-FLOWERS HOSPITAL (Medical/Health Care)

Past Due: >$100<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 06/2018

**!** Experian credit report prepared on March 03, 2015 says, Status:  Collection account. $100 past due as of Oct 2012. Type: Collection Terms: 1 Months**!**

MIDLAND FUNDING LLC

Placed for collection: 05/14/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $430

Date Updated: 02/20/2015

Last Payment Made: 02/05/2015

Original Amount: $1,298

Original Creditor: CHASE BANK USA N A

Past Due: >$430<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 05/2017

*******This is actually also on my report as a CIVIL JUDGMENT with MIDLAND FUNDING LLC. I checked online where I pay it monthly & it says “You current balance as of 03/11/15 is $357.24”

**!** Experian credit report prepared on March 03, 2015 says Status:  Collection account. $430 past due as of Feb 2015. Type: Debt Buyer Terms: 1 Months Monthly Payment: $0 Date of Status: 07/2012 Last Reported: 02/2015  Recent Balance: $430 as of 02/2015 **!**

MIDLAND FUNDING LLC

Placed for collection: 05/14/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $344

Date Updated: 02/20/2015

Original Amount: $238

Original Creditor: GE MONEY BANK

Past Due: >$344<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 05/2017

**********Received letter dated 2/18/2015 from Midland Credit Management regarding this GE Money/American Eag account. Stated Current Balanace: $344.12. “If we receive $206.47 by 3/20/2015 we will consider your account balance paid.”

**!** Experian credit report prepared on March 03, 2015 says Status:  Collection account. $344 past due as of Feb 2015. Type: Debt Buyer  Terms: 1 Months  Monthly Payment: $0  Date of Status: 07/2012  Last Reported: 02/2015  Recent Balance: $344 as of 02/2015 **!**

MIDLAND FUNDING LLC

Placed for collection: 07/23/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $689

Date Updated: 02/20/2015

Original Amount: $556

Original Creditor: TARGET NATIONAL BANK

Past Due: >$689<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 04/2017

**********Received letter dated 2/18/2015 from Midland Credit Management. Stated Current Balance: $688.72. Listed 3 options:

Option 1: (40% off ) $413.23

Option 2: 6 monthly payments $91.82 (20% off )

Option 3: payments as low as $50 per month

**!** Experian credit report prepared on March 03, 2015 says Status:  Collection account. $689 past due as of Feb 2015. Type: Debt Buyer  Terms: 1 Months  Monthly Payment: $0  Date of Status: 09/2012 Last Reported: 02/2015 Recent Balance: $689 as of 02/2015 **!**

PORTFOLIO RECOVERY

Placed for collection: 07/19/2014

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $946

Date Updated: 02/05/2015

Original Amount: $946

Original Creditor: SYNCHRONY BANK

Past Due: >$946<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 05/2017

*********Received letter 2/24/2015 noting Seller: Synchrony Bank & Merchant: Walmart.  Offered Single payment $757.00, or 12 month installments of $67.00, or 37 month installments $25.00

PORTFOLIO RECOVERY

Placed for collection: 12/27/2013

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $180

Date Updated: 02/05/2015

Original Amount: $180

Original Creditor: GE CAPITAL RETAIL BANK (Belk card)

Past Due: >$180<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 07/2017

PORTFOLIO RECOVERY

Placed for collection: 10/23/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $0

Date Updated: 12/11/2014

Last Payment Made: 11/29/2014

Original Amount: $1,271

Original Creditor: WORLD FINANCIAL NETWORK BANK

Pay Status: >Account Paid in Full; was a Collection<

Date Closed: 12/11/2014

Date Paid: 11/29/2014

Remarks: >PAID COLLECTION<

Estimated month and year that this item will be removed: 07/2017

**!** Experian credit report prepared on March 03, 2015 says Status:  Paid,Closed. Type: Debt Buyer  Terms: 1 Months  Monthly Payment: $0 **!**

PORTFOLIO RECOVERY

Placed for collection: 05/31/2012

Responsibility: Individual Account

Account Type: Open Account

Loan Type: FACTORING COMPANY ACCOUNT

Balance: $0

Date Updated: 01/09/2014

Last Payment Made: 12/18/2013

Original Amount: $258

Original Creditor: GE CAPITAL RETAIL BANK

Pay Status: >Account Paid in Full; was a Collection<

Date Closed: 01/09/2014

Date Paid: 12/18/2013

Remarks: >PAID COLLECTION<

Estimated month and year that this item will be removed: 07/2017

So, why are all of these listed as Open Accounts?? Especially the paid ones – how can they be open if they are paid? Is there some policy or clause I don’t understand?

And am I understanding correctly that they should not be posting “past due” as a collection agency?

And why do some have 1 Months terms listed?

Any advice, suggestions, steps to be taken are welcomed and you have no idea how much they will be appreciated!!!

[baller4life]

Did you pay Portfolio or the OC?

[Anonymous]

PORTFOLIO RECOVERY / SYNCHRONY BANK / WALMART : I have paid no one

PORTFOLIO RECOVERY / GE CAPITAL RETAIL BANK (Belk card) : I have paid no one

PORTFOLIO RECOVERY / WORLD FINANCIAL NETWORK BANK : I paid Portfolio $ 52.96 monthly until paid off

PORTFOLIO RECOVERY / GE CAPITAL RETAIL BANK / I paid Portfolio $ 22.15 monthly until paid off

thank you for taking a look at this for me!!

[baller4life]

Ok so the paid ones were paid to Portfolio. Only thing you can do at this point is hope for a gw deletion. Some have gotten them. Some not so much. On the ones not paid, offer pfd. You want these GONE!!! Paying them does nothing for your score. Still will be a derog on your reports. Check your pm for address to send letters.