Complaint Review: PORTFOLIO RC

Today I received a call from a representative of Portfolio RC who stated that the agency has tried calling me on several occasions for collection of an unpaid US Cellular Bill of $90 that is now $366. The charges occurred while living in Mount Clare, West Virginia. I moved to Terre Haute, Indiana, in June of 2005, and this is the first time I was made aware of this issue. In the three years I have lived here, there have never been any messages left on my voicemail concerning this alleged debt!

I informed this individual that I closed out the account after moving to Indiana and obtaining cell phone services through Verizon. Moreover, I always leave a forwarding address when I move and to my knowledge, I have never received any correspondence in the mail from U.S. Cellular stating that I still owed money. Unfortunately, I no longer have any past statements to prove that the account was closed and that I paid the last bill.

Before I hung up on this individual, I gave her my current address and told her to send me something in writing. I then checked the credit report on my mortgage loan application and discovered that Portfolio RC is listed as a creditor. I am outraged that this is probably the reason why my credit score was not higher than reported. Why, after more than three years am I now being notified about this matter?

I am also outraged because in 1995 I had to pay $1000 in attorney fees to clear my credit report and my name for identity theft involving credit card charges by an individual in Chicago who used my name as a co-signature.

Covenant Doc
TERRE HAUTE, Indiana
U.S.A.