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 sent a letter to Portfolio Recovery Associates ( PRA, LLC - on -/-/- notifying them of their default to report according to Texas - - - - and in fact default according to FCRA section - ( a ) ( - ) ( f ) ( - ) ( - ), I received a response from PRA greater than - day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on -/-/- this account still shows as derogatory with all - bureaus. I sent another letter to PRA on -/-/- to inform them of the default back in -/-/- and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated -/-/- however this letter was not received until -/-/-. PRA 's letter did not justify validation nor did it justify the information in regards to the -/-/- dispute. In response to PRA 's letter, I AGAIN notified PRA on -/-/- that the letter dated -/-/- did not validate the account according to TFC


) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time