Portfolio Recovery - 3 validation letters

[fisher010978]

I have sent Portfolio Recovery Assts 3 validation letters. They never responded to the first one, responded to the second one stating that they requested additional information from me and that they were not going to validate the account based on the fact that I never responded. I sent a response to that one letting them know that they failed to validate the account and I am not legally bound to send them proof of anything. On top of that I never even got a letter requesting additional documentation.

They responded with the typical "at the time of the sale, the seller provided an electronic file of it's business records concerning this account. According to the sellers records, there was due and payable from *** **** (name was spelled wrong) to the seller in the sum of 2567.63 with respect to the account as of 9/28/2004, ther being no known un-credited payments, just counterclaims, or offsets against his account at the date of its sale."

then they list the account holders name (spelled wrong) last 4 digits of social (correct) date account was opened as provided by seller and the current outstanding balance.
The thing about this account is i never opened it and it was opened before I was 18.
I am at a loss as to how to respond. I sent them a standard validation letter and they did not return the portion they were supposed to fill out nor did they provide any of the documentation requested. Can anyone help me with my next step?

[jjgross]

Originally Posted by fisher010978

I have sent Portfolio Recovery Assts 3 validation letters. They never responded to the first one, responded to the second one stating that they requested additional information from me and that they were not going to validate the account based on the fact that I never responded. I sent a response to that one letting them know that they failed to validate the account and I am not legally bound to send them proof of anything. On top of that I never even got a letter requesting additional documentation.

They responded with the typical "at the time of the sale, the seller provided an electronic file of it's business records concerning this account. According to the sellers records, there was due and payable from *** **** (name was spelled wrong) to the seller in the sum of 2567.63 with respect to the account as of 9/28/2004, ther being no known un-credited payments, just counterclaims, or offsets against his account at the date of its sale."

then they list the account holders name (spelled wrong) last 4 digits of social (correct) date account was opened as provided by seller and the current outstanding balance.
The thing about this account is i never opened it and it was opened before I was 18.
I am at a loss as to how to respond. I sent them a standard validation letter and they did not return the portion they were supposed to fill out nor did they provide any of the documentation requested. Can anyone help me with my next step?

A minor child is not able to sign a contract without a guardian signature.So i would think the contract is not enforceable,nor collectable.So i would send them your date of birth and the fact that your were not able to legally able to enter into a business agreement with the creditor or anyone else.

[Trish]

I would send them the DV2 letter......or well, a modified version of it.....letting them know they still haven't validated the debt. I'm not sure if I would even mention the DOB thing just yet. Give them some rope to hang themselves with. Lets see if you can get them to come up with some proof......

If it's on your reports, be sure to dispute it as well. NOT online though. Dispute by certified mail.

If they still refuse to provide validation......then start filing complaints, that should light a fire under them.

[fisher010978]

Thanks for the advice guys...
I sent the DV2 yesterday and I revised it. We will see. I have been disputing the account with the bureaus for 6 months now, and that is why I decided to go with the collector. The bureaus have not budged

[fisher010978]

So Portfolio responded to the DV2 with "the disputes department at portfolio... understands that you wish to dispute this account because you have been a victim of identity theft or fraud. Our company generally requires all customers to submit documentation for reveiw as part of our company's investigation. Please send a copy of an official identity theft report OR written statement no later than 20 days following the date of this letter so the investigation may be completed in a timely manner."

1. I have not filed an identity theft. This account was opened over 13 years ago probably by a family member, and I have not had any problems with identity theft since this occurred.

2. This is retarded. My DV letter should have had them sending me validation docs, not this crap.

3. What do I respond with? I am so sick of this company ignoring my attempts at validation.
((sorry this is very frustrating to me))

Also the letter is dated November 13th but I didn't get it until the last week of November...
Thanks in advance for any help... :mad:

[fisher010978]

Did anyone have any advice on the post above... I am filing complaints against them today, but didn't know how aggressive I should be in my response to them...

[chane]

Most collection agencies are real bastards. They don't play by the rules. I don't think I've ever received proper validation. I either get ignored or they send some stupid shit like they did to you.

At this point, there's not much more you can do unless you want to sue them and most people would recommend against that. It will consume a lot of your time and energy.

You could also send complaints to the FTC, your state's attorney general, etc. Or you could continue to send Portfolio letters and become the squeaky wheel that won't shut up until they take care of you. Just don't let it become harassment.