I recently received verification documents from Portfolio Recovery Associates. After re...

GetHuman-kylepwin's customer service issue with Equifax from December 2018

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The issue in GetHuman-kylepwin's own words
I recently received verification documents from Portfolio Recovery Associates. After reviewing them I still do not recognize this Capital One account, nor have I ever lived at *** Revere Street, Apt. *, Revere, MA *****. My legal address has been ** E Street, Dracut, MA ***** for several years. My driver’s license has been at that address since **** and was renewed in Fall of ****. The only time I have lived elsewhere is when I was attending University in Connecticut and Rhode Island. I have always had my mail forwarded with the United States Postal Service. *The validation documents provided do not conform to the Code of Massachusetts Regulations Title ***, **.**: Validation of Debts (****). In addition, I am on permanent Social Security Disability Insurance and therefore considered handicapped in The Commonwealth of Massachusetts. Even if this debt were mine, and I allege it is not, the legislature has determined that my assets are exempt from seizure or garnishment and any attempt at legal action would end in dismissal. Mass. Gen. Laws ch.***, * ** (****). *Furthermore, this collections account was removed around ** October ****. It then reappeared causing my score to plummet some sixty points. To follow this, it showed up as closed on my Transunion report and as of yesterday is now reopened. I have sent three certified letters to Portfolio Recovery Associates and have only received one response containing the verification documents I mentioned above. I never received any initial notice from PRA when the account was originally acquired by that organization. *This ongoing ordeal is seriously affecting my quality of life. My disability is severely aggravated by the stress and anxiety this is causing. I am hoping this matter can be brought to a swift resolution as I am seriously considering contacting legal counsel. I look forward to hearing from you.
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Equifax

Customer service issue
Reported by GetHuman-kylepwin
Dec 7th, 2018 - 6 mons ago
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Items needed
Account holder name
Billing address
DOB
Last 4 of SSN
Email on account
Phone number
Timeline
GetHuman-kylepwin started working on this issue
Dec 7th, 2018 6:00pm