- Report: #789892
Complaint Review: Portfolio Recovery
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| Portfolio Recovery p o box 12914
northfolk, Virginia United States of America |
|
Portfolio Recovery harassing me for debts that are over 10 years old northfolk, Virginia
*Consumer Suggestion: Your hands are not tied in this situation!
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
I keep getting letters regarding 2 accounts they purchased from Arrow Financial Services another collection agency. These accounts I believe are over 11 years old and have never been paid on and were written off by Kay Jewelers and First Premier Bank. They were removed from my credit reports and now back on thanks to Portfolio. I asked them to stop and to remove them and they refused.
This report was posted on Ripoff Report on 10/17/2011 05:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Portfolio-Recovery/northfolk-Virginia-23541/Portfolio-Recovery-harassing-me-for-debts-that-are-over-10-years-old-northfolk-Virginia-789892. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on Portfolio Recovery
Search for additional reports
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips#1 Consumer Suggestion
Your hands are not tied in this situation!
AUTHOR: kbird200425 - (United States of America)
SUBMITTED: Friday, October 28, 2011
You should pull all your credit reports for the 3 major credit bureau (Experian, Equifax and Transunion) - this can be done online. Draft three seperate letters to these credit bureaus. Explain to them that you are requesting their assistance in correcting, verifying and removing a error in your credit report. List the account and why it is an error (in your case the account is older than 7 years). Thank them for their assistance in correcting this error and ask them to respond in 45 days with the results. Send these letters certified and keep the receipts to the following address
Equifax,Inc.
P.O. Box 2104
Allen , Texas 75013-2104
1-888-397-3742
Experian
P.O. Box 740241
Atlanta , GA 30374
1-800-685-1111
Trans Union Corporation
Consumer Disclosure Center
2 Baldwin Place
P.O. Box 1000
Chester , PA 19022
1-800-888-4213
You will receive a response for the credit bureau more than likely it will state that they have verified the information and it is accurate or that you might want to address this with Portfolio Recovery. You then send a second letter this time it will read: this is my second attempt to resolve the errors that are contain on my credit report. The continuous use of this inaccurate information is unacceptable. Once again I'm requesting that you verify and remove the account below from my credit report. If I don't receive a response in 30 days I will be sending a letter to the FTC. If the response (from the Credit Agency) included a statement requesting that you address this issue to Portfolio include the following sentence: In accordance with the Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1978 I request that {insert whichever credit agency} verify this information. Send this letter certified and keep the receipt. If all this fall you should then draft a letter to the FTC (who is not the enemy so keep the letter "nice") send the letter certified alone with all documents related to the account if you have any, copies of all letter sent to the Credit Agency, copies of all the credit agency responses and most important a copy of the receipt that you sent the letters to the credit bureaus. As a last ditch effort to solve this you should send a copy of you packet for the FTC (Federal Trade Commission) to each credit agency but you don't have to. The address for the FTC can found at www.ftc.gov. If this you do this quickly you can secure your rights to sue the credit agency (each) for a min. 100$ to a max. 1000$ and punitive damages including lawyer fees.
Side note you can all send a letter to Portfolio Recovery just follow the same guidelines This will also help to secure right to sue Portfolio also.
Equifax,Inc.
P.O. Box 2104
Allen , Texas 75013-2104
1-888-397-3742
Experian
P.O. Box 740241
Atlanta , GA 30374
1-800-685-1111
Trans Union Corporation
Consumer Disclosure Center
2 Baldwin Place
P.O. Box 1000
Chester , PA 19022
1-800-888-4213
You will receive a response for the credit bureau more than likely it will state that they have verified the information and it is accurate or that you might want to address this with Portfolio Recovery. You then send a second letter this time it will read: this is my second attempt to resolve the errors that are contain on my credit report. The continuous use of this inaccurate information is unacceptable. Once again I'm requesting that you verify and remove the account below from my credit report. If I don't receive a response in 30 days I will be sending a letter to the FTC. If the response (from the Credit Agency) included a statement requesting that you address this issue to Portfolio include the following sentence: In accordance with the Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1978 I request that {insert whichever credit agency} verify this information. Send this letter certified and keep the receipt. If all this fall you should then draft a letter to the FTC (who is not the enemy so keep the letter "nice") send the letter certified alone with all documents related to the account if you have any, copies of all letter sent to the Credit Agency, copies of all the credit agency responses and most important a copy of the receipt that you sent the letters to the credit bureaus. As a last ditch effort to solve this you should send a copy of you packet for the FTC (Federal Trade Commission) to each credit agency but you don't have to. The address for the FTC can found at www.ftc.gov. If this you do this quickly you can secure your rights to sue the credit agency (each) for a min. 100$ to a max. 1000$ and punitive damages including lawyer fees.
Side note you can all send a letter to Portfolio Recovery just follow the same guidelines This will also help to secure right to sue Portfolio also.
Respond to this report!
What's this? 
