limeverbena Posted March 17, 2007 Report Share Posted March 17, 2007 sent portfolio recovery certified detailed letter requesting validation of debt 2/28. trying to collect on old providian account.sent letters to the 3B'S requesting the same.experian investigation results " deleted ". no details just results.equifax and transunion still arent showing the item as disputed. just " as of date reported 2/2007 "verbal conversation with porfolio 3/16/07. she was professional enough but still managed to imply that they'd be aquiring a lawyer from my area. also stated that they noticed some newly retained assets on my end. ok, but wouldnt you need to provide me with the information i requested before you tried suing me?they "supposedly" never recieved my letters requesting such a thing and denied even having been involved with an experian dispute:!: she also stated that by me making a payment on the account in the amount of $23 as a result of a phone conversation back in 2003 was pretty much all the proof they neededi did do that but i thought it was another CC from a joint account that my x husband and i had prior. with that being said i never gave them anything else nor did i recieve any correspondencei'm putting together another demand letter and adding proof of discrepencies i have found in regards to account.*copy of certified letter first sent*copy of experian investigation results concerning account now in question*copy of transunion report showing account being reported open on 4/1/2003with a grand total of $3578.00*copy of equifax report showing account being opened on 1/12001 with a slightly larger amount $3615.00somebody please tell me what i got here . does anyone see violations? do i have a leg to stand on if they summons me to court?what reference could i use to point the discrepencies i have found out to them in my next letter to them Link to comment Share on other sites More sharing options...
limeverbena Posted March 17, 2007 Author Report Share Posted March 17, 2007 i disputed the actual OC's listing and it was deleted on 3/1/07i have questions about the 24 month reporting history and do believe it to be incorrect. it is my debt but i have no paperwork pertaining to this account. just what i see on the 3B's.what paperwork would the CA have to provide me with in order to prove it's mine account statements:?: my contract with OC if i wanted to dispute the reporting information would they have to have paperwork to back it up ?is that not even on the table to debate with the CA if OC is no longer on CR anyway:?: Link to comment Share on other sites More sharing options...
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