[robseattle]

Hello,
I just got a very big surprise. I just looked on my credit report and I do recall that something had come off my credit report in April, cannot remember what it was as I am not at home. It reads as below:
ROBERT ARNOLD
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Report date: June 21, 2008






Item Detail


PORTFOLIO RECVRY&AFFIL

Address:
120 CORPORATE BLVD STE 1
NORFOLK, VA 23502
No phone number available Account Number:
444796112320.... Original Creditor:
COLLECT AMERICA



Address Identification Number: 0501207523



Status:
Collection account. $625 past due as of Jun 2008.



Date Opened:
04/2008
Type:
Installment
Credit Limit:
$622

Date of Status:
06/2008 Terms:
1 Months High Balance:
NA

Reported Since:
06/2008 Monthly Payment:
$0 Recent Balance:
$625

Last Reported Date:
06/2008 Responsibility:
Individual Recent Payment:
$20



Account History:
Collection as of Jun 2008



Your Statement:
NA



First of all, I never made a payment. Secondly, I have no idea what these clowns are about. Can I demand that they produce a receipt justifying that I paid anything? Secondly, should I just sue?

[Enigma]

What would your cause of action be?

Have you received anything in writing yet? If not, reporting is considered a communication. Wait five days, drop them a note demanding validation and point out there error to them.

[robseattle]

So, no communication with them? I did inquire to the FTC about it.

[Enigma]

First of dispute it with the CRA. Once you get the CMRRR card, dispute it with PRA.

[robseattle]

I am just surprised that they say I paid 20 on it, that would make it active.

[mtnman1951]

If you file a complaint with the BBB in Newport News, they will correct or delete the recent payment. They verified the info with Experian, but closed the account after I filed with the BBB. They claimed the recent payment they listed was made in 2001.