Complaint Review: Portfolio Acqusitions - Duluth Georgia
- Portfolio Acqusitions 2425 Commerce Ave. Ste. 10 Duluth, Georgia U.S.A.
- Phone: 800-425-0006
- Web:
- Category: Miscellaneous Companies
PORTFOLIO ACQUISITIONS PLEASE HELP! Duluth Georgia
*Consumer Comment: Advise.....
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Okay, here's the dealio. I go to a very reputable property management company to rent a house, and, of course, they want to check my credit. Of course, Because I have one account in collections, my deposit is almost doubled. A now-defunct cell-phone company (NOT AT&T Wireless) is reporting I owe them $218.00. The applicant screening program that the property management company used is showing that this account is in collections to a company named PORTFOLIO ACQUSITIONS.
I ordered my annual credit report, and in the brief synopsis it shows on-line, everything matches what the property management company sees EXCEPT the Portfolio Acquisitions account. It's NOT on my Experian report, although the program that the property management company uses says they got their information from Experian.
I tried to call the collection company, but of course, it's just a voice mail box, and so far my calls have gone un-returned. Here's the kicker-the now-defunct cell-phone company was included among the creditors for a Chapter 7 bankruptcy I filed back in 2003. The bankruptcy shows up too, of course.
Does anyone know how I might go about convincing the property management company that the collections account is erroneous (sp?) and therefore, I should not be subjected to having a double deposit? I have the bankruptcy paperwork, and the credit reports from all three bureaus are in the mail. If anyone has any ideas, I would appreciate hearing from you.
Ryan_daugherty
Merced, California
U.S.A.
This report was posted on Ripoff Report on 07/19/2008 11:29 AM and is a permanent record located here: https://www.ripoffreport.com/reports/portfolio-acqusitions/duluth-georgia-30096/portfolio-acquisitions-please-help-duluth-georgia-353144. 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. READ: Foreign websites steal our content
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#1 Consumer Comment
Advise.....
AUTHOR: John - (U.S.A.)
SUBMITTED: Saturday, July 19, 2008
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) or remove them from your credit file.
Mail a letter via certified mail with return receipt to all three credit bureaus. Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:
Per the Fair Credit Reporting Act, I am requesting written validation of this item.
They must either validate the item or remove it....Note: the entire process might take at 1-2 months...it's never fast....
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