Portfolio Recovery Associates Violating FCRA? Norfolk Virginia

I originally had an account with Providian Bank. I defaulted on the Credit Card payments back in 1999 the total being $6500.00 on two credit cards. This was due to medical reasons as I was not able to work.

The credit bureaus show the date of last activity on my credit report as 1999 and date opened as 1996 for Providian. Providian sent it to Collections with Dag Financial services when it was assigned to them in 2002. Then Dag sold the debt to Arrow Financial Services and now Portfolio Recovery Associates was assigned the debt in May of 2007 where it states that Portfolio Associates was hired to collect for Arrow.... The funny thing is that Providian shows it as Not Reported and Pays account as agreed and 0 for past due. 0 lates as well....


The problem is that now every month PRA is reporting it to the credit bureau where it is lowering my fico score. Is this re-aging of the account? Is this legal for them to do this? Ity shows date opened 5/2007 by PRA and also Opened by Arrow in 2002. It is also a duplication of the collection activity by Arrow since both appear on the credit reports. Is that legal?

Are there any class action suits going on for PRA that I can join? Or for Arrow?

I have contacted and filed disputes with the credit bureaus but they limit you to 100 words or less which is very unfair.

They call every day, but never leave messages. I have caller ID so I know it is them.

Jamie
New Port Richey, Florida
U.S.A.