Author Topic: Reinsertion Of A Deleted Debt By Portfolio Recovery  (Read 103 times)

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Surfr10132

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Reinsertion Of A Deleted Debt By Portfolio Recovery
« on: July 28, 2016 11:58:19 PM »
I just noticed that I have a debt that was deleted and then reinserted by PRA. Does anyone have any good letters to send them? Somethin nasty would be nice. I know this is a FDCPA violation.

fisthardcheese

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  • They forced arbitration into your contract. Use it
Re: Reinsertion Of A Deleted Debt By Portfolio Recovery
« Reply #1 on: July 28, 2016 11:58:59 PM »
How was it deleted in the first place?
8 Arb Settlements (7 AAA, 1 JAMS)
3 JDB Suits Dismissed With Prejudice (2 pro-se, 1 consumer atty)
3 TCPA Settlements (2 pro-se, 1 consumer atty)
2 FCRA Settlements (consumer atty)
1 FDCPA Settlement (w consumer atty)
1 Small Claims Win (pro-se; Landlord/state consumer law violations)
1 State UDAP Settlement (ITS)

Bruno the JDB Killer

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Re: Reinsertion Of A Deleted Debt By Portfolio Recovery
« Reply #2 on: July 29, 2016 02:41:56 PM »
Credit reporting is under the FCRA, not so much the FDCPA. There are limited areas where it would apply, such as reporting before validation, but this doesn't sound like that.

We need more details. If the OC deleted than sold the debt to PRA, they can report.
I am not an attorney. Any information I post is strictly my opinion and should be treated as such.

fisthardcheese

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  • They forced arbitration into your contract. Use it
Re: Reinsertion Of A Deleted Debt By Portfolio Recovery
« Reply #3 on: July 29, 2016 04:45:50 PM »
Credit reporting is under the FCRA, not so much the FDCPA. There are limited areas where it would apply, such as reporting before validation, but this doesn't sound like that.

We need more details. If the OC deleted than sold the debt to PRA, they can report.

PRA, being a JDB, is subject to the FDCPA in addition to FCRA by reporting inaccurate information to a 3rd party (the CRA).
8 Arb Settlements (7 AAA, 1 JAMS)
3 JDB Suits Dismissed With Prejudice (2 pro-se, 1 consumer atty)
3 TCPA Settlements (2 pro-se, 1 consumer atty)
2 FCRA Settlements (consumer atty)
1 FDCPA Settlement (w consumer atty)
1 Small Claims Win (pro-se; Landlord/state consumer law violations)
1 State UDAP Settlement (ITS)

Bruno the JDB Killer

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Re: Reinsertion Of A Deleted Debt By Portfolio Recovery
« Reply #4 on: July 29, 2016 05:42:04 PM »
Correct, but that does not seem to be his issue. Sounds like OP thinks nobody should be reporting at all.
I am not an attorney. Any information I post is strictly my opinion and should be treated as such.

 

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