jaybee,
Midland has an awful reputation for reporting really old debts that are beyond the SOL and even beyond the 7.5 year reporting limit. They also are not above finding someone who's name is close enough, calling it a game of horseshoes, and tagging you with a debt that actually belongs to jaycee rather than jaybee.
Don't worry about the OC, yet. Just send off your DV letter to the CA and dispute with all the CRAs where this TL appears.
Be sure you send the DV letter CMRRR, save your CM receipt, save your RRR green card when it comes back, save your USPS receipt (which has the CM # on it), save a photocopy of your signed letter, and put a reference line at the top of your letter.
USPS CERTIFIED MAIL xxxx xxxx xxxx xxxx xxxx
DV is a powerful weapon. Use it. If it's slays the CA grendel, then you win and nothing more is needed on your part but to continue your vigilance and watch your reports.
Do NOT use the words "cease and desist" in your letter as you want them to keep communicating. That's why the DV is so powerful. If they don't follow FDCPA, you have 'em on easy violations. If the debt ain't yours, you can have a relatively easy time getting a settlement outta them in small claims. If the debt is yours, it's potent leverage for a PFD--for debts that can still be reported.
