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Equifax back door. Vle Bishes Midland reporting the following on an old TMobile acct. Tmo agreed to end contract due to zero coverage at new residence. Instead of sending me the proper documentation agreeing to term contracts they hit me with double ETF and balance due on subsidized phone/hotspot. I want to disputebut I am confused. This is clearly a collection, reporting pays as agreed. The second item is Loan Type: Yes. What does that even correlate to and how can I best attack them on this. I have to tread lightly as they have a satellite office here in my city and I am afraid that they will sue. Without the docs from TMob I am reluctant to be as aggressive as I would normally be. Midland reporting EQ as follows: Name: MIDLAND FUNDING LLC Acct #: Credit Limit: n/a Date Reported: 07/29/2013 Date Opened: 11/29/2012 Balance: $827 Past Due: $827 Acct Status: Dispute ItemHide Details MIDLAND CREDIT MGMT INC8875 Aero Dr Ste 200 San Diego, CA 92123-2255 (800) 825-8131 Account Number: Current Status: Account Owner: Individual Account. High Credit: $827 Type of Account : Open Credit Limit: N/A Terms Duration: Terms Frequency: Date Opened: 11/29/2012 Balance: $827 Date Reported: 07/29/2013 Amount Past Due: $827 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: 01/2013 Months Reviewed: 5 Creditor Classification: Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: yes Date of First Delinquency: 09/2011 Comments: Consumer disputes this account information, Collection account 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2013 * CA * * * * 2012 * *

Hey all, I have been lurking for short while and have just recently jumped into the wonderful world of credit repair. While reviewing both DW and my own reports, I noticed that a vehicle loan through DT Credit Corp, (DriveTime) shows as pays as agreed and is current although it also lists as a voluntary repossession. We turned the car in voluntarily in 2010 and have never made a payment so not sure why it is listed as such. Anyone else have similar situations? essentially it is being reported as positive credit, no lates but that is way false. How should I approach this if at all?