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 Pennsylvania

Portfolio Recovery Assets is trying to collect on a - debt. I did have a - account at - time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first - days. Secondly, I have asked for validation for - years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with - was only -. The last balance owed was not near this amount at all, maybe -. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the - dollar amount was come up with. They have not done this. I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent


did sign for the letter as I have the receipt. I told her this, and all she could say was, its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on - of my credit reports starting in paid $100.00 on this account - 2013 and - 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all - credit reporting agencies and got nowhere.