Portfolio Recovery Associates is one hell of scam company. They contacted me in early October and advised that I had a credit card which is in default to the tune of over $3000.
I asked the lady, Alyse, what credit card it was, she told me and I advised her that I've never held that card. Then I asked her to detail the dates the card was used and for what purchases. She could not tell me the dates but did rattle off a list of stores the phantom card was used at, most of which were jewlery stores thousands of miles from where I live.
She was then advised that this could only be a case of identy theft. I immediately checked my credit reports from all 3 reporting agencies and saw NO listing of any negative activity concerning this debt or any preious attempts to attach this to my credit history.
The rep then advised that they would send a "Dispute Form" which I was to fill out and return. I have received the form but based on what I've learned about this company, there is no way I am going to fill this out and return it to them.
Can anyone help guide me through what steps I may take to ensure that they do not attach this phoney debt to my credit reports?
Any help would be appreciated.By the way, I've already filed a formal complaint with the FTC. Will that help? Or should I contact all 3 agencies to try and head them off?
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