On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account. 

Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX. 

Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.