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Showing results for tags 'Midland Credit Management'.
Found 3 results
Equifax doesn't update/delete when told by creditor
prosper711 posted a topic in Credit Forum1. I had a Midland (ugh) account that I dispute with Midland, they agreed to tell the CRA's to delete it. TU and EX did so promptly, it has been 5 weeks and it is still on EQ. 2. Verizon Wireless, after 2 years just mysteriously disappeared from TU, then a day later from EX. 1 week later it is still on EQ. Does EQ just not delete if they are told to by the creditors? And a side note wondering why Verizon deleted after only 2 years anyway?
Midland Funding CEO Luck?
SunnySideUp32 posted a topic in Credit ForumHas anyone ever had success getting trade lines deleted by emailing their parent company CEO when Midland Funding and Midland Credit Management are misrepresenting the character of the account?
Midland Funding's Response to Texas DV
delta289 posted a topic in Credit ForumI recently sent a Comprehensive Texas DV to Midland Funding / Midland Credit Management for a debt they are claiming is owed to a cell phone company that I've never had a contract with. In the DV, I stated that I disputed the debt in its entirety, and requested validation of the account with proof that I have some contractual obligation to pay Midland Funding the reported amount via: 1. A contract bearing my signature that shows my obligation to pay debts on the alleged account; 2. Itemized billing statements from the inception of this alleged account through the account closing date; and 3. Proof that you are entitled to collect the alleged debt on the original creditor's behalf. I also stated that no federal questions were being raised, and that my dispute was under TFC 392. I received a response today, within the 30 days alloted under TFC 392. It consisted of a one-page letter stating, "Please be advised that we have determined that our credit file and credit reporting o fthe above-referenced account is accurate..." blah blah blah, and stating they would be resuming collection activities. Sometime within the last few days, they have updated the tradeline so that the Balance section is blank. Midland did NOT include any documentation regarding the account aside from their letter. I don't see where TFC requires the CA to provide validating documents, only that they are required to respond and admit/deny the accuracy within 30 days. Should I now send a validation request under FDCPA/FCRA, or is there a clause that encourages me to proceed under TFC 392? I'm 100% certain that they don't have the required documents because I never signed up for service with the original creditor.