PRA Did not respond to Texas DV Letter, what next?

Question

Texas resident, so sent Portfolio Recovery Associates a Texas DV letter.  I received a letter in the mail today from PRA in response to my lette.  There were several things missing from the information I requested including the address of the original creditor, date the debt was transferred from the original creditor to the third party debt collector and any information regarding aTexas Surety Bond.  What do I do next as they did not comply with my letter?  Do I go to the AG of Texas (https://www.texasattorneygeneral.gov/forms/cpd/form.php), the CFPB, the BBB?  Who do I go to first and what is the procedure now? 

Answer 1

evanbarb wrote:
Hi, frustrated updates coming in this post.  I filed a complaint with both the Texas AG as well as BBB, but did not dispute with the CRAs.   Received a follow up email from the Texas AG basically stating they got my complaint and will follow-up if necessary.  The BBB complaint on the other hand has been very frustrating.  I filed the complaint stating that PRA, failed to properly respond to my debt validation request by not including all of the requested information (they did not include the address of the original creditor, the original date of default and Texas Surety bond information).  I requested that the trade lines for this collections item be deleted from all three CRAs.  In both complaints, I included the letter that I sent to them on 5/12/15, the USPS certified mail return receipt and their response letter sent on 5/19/15. Their BBB response was basically thanks for bringing this matter to their attention, that they stopped making calls and other collections communications and they initiated an (another) “investigation.” They said they would send a letter I should expect to receive in 30 days. I told BBB that I did not accept their response and basically repeated that they did not validate my debt under Texas Finance Code and that they do not need to investigate the matter any more since they already did and did not provide all of the necessary info. Today I received the letter and it is a bunch of crap:“Please be advised we have reviewed your dispute and our records indicate that we have already responded to a previous dispute substantially the same as your present dispute.  Because your dispute alleges no new facets and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2(a)(8)(F)(i)(II) of the Fair Credit Reporting Act.  If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered.  No further replies will be forthcoming unless you provide the information we need to assist you.  Our office considers this matter closed.” What are my next steps now?  Do I go directly to the CRAs to dispute?  I basically feel like they are getting my letters and complains and are NOT reading them. They didn’t provide me with all the necessary info for a Texas DV and yet they are STILL reporting this collections account to the CRAs. Apparently these people are too stupid to know what set of laws they are being asked to comply with. Send them another CMRRR letter, citing the SPECIFIC Texas Finacial Code section(s) regarding Debt Validation, the requirements therein, and inform them that since they have a failed to provide VALIDATION, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. Inform them that they have 5 days to comply with the law, or you intend to seek legal redress through the court system for their WILLFULL NONCOMPLIANCE. If they continue to ignore the law, seek out a consumer attorney through NACA (consumeradvocates.org). Sometimes an ITS is all that gets through these idiot's skulls.