Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was paid Colorado

I have a complicated issue with an old charge account. The original creditor was - -, now - Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for - digits being transposed. We - had - cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after - attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports - is showing - entries for - 2014, - with an $84.00 payment and a total of $630.00 charged off. - is showing $280.00 charged off, and my original - report shows - charged off but also shows $84.00 payments made -/-/- of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute - updated the account to paid after collection. When I called - to ask about the payment history and final


if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the - - entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.