Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Texas

I - contacted Portfolio Recovery by certified letter in - 2015 requesting debt validation including : Name of the original creditor, including account number. Original amount owed, including a complete payment history, starting with the original creditor. Finally, Documentation that indicates that I agreed to pay someone this sum of money. Portfolio responded with a letter on company letterhead with a summary of my name, my last - digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. I responded to Portfolio 's letter with a - letter on - - requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. Copy of the contract that states I promise to pay this back from the original creditor. Portfolio Recovery 's - response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.