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Established Contributor
Posts: 560
Registered: ‎05-03-2007
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interesting midland credit managment letter received today...

received today...i disputed as "not mine":
 
Dear _________,
 
The purpose of this letter is to request your assistance so that we may reach a quick resolution to your dispute.
 
We are attempting to verify your dispute and it would be helpful to have a copy of any documentation you may have that substantiates your dispute. In the interim, we have requested that the three major consumer credit reporting agencies change the status of this account to "Disputed."*
 
Please mail of fax cancelled checks, paid letters, police report to:  (800) 306-4443 Attention: Consumer Relations.
 
We can be reached at (800) 825-8131 ext. 2980, should you have any further questions.
 
Please understand this communication is from a debt collector.  This is an attempt to collect a debt.  Any information will be used for that purpose.
 
Sincerely,

Consumer Relations
 
*Your credit report will not be updated if the federal reporting period has expired, or we have not previously reported on this account.
Frequent Contributor
Posts: 436
Registered: ‎06-15-2007
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Re: interesting midland credit managment letter received today...

The creditor/collection agency obviously is unable to verify the account. Which is why they need your help. Legally, since they are unable to verify, this account must be deleted from your credit files within 30 days of your dispute per the FCRA. If you send them documentation, then you will give them the ammunition they need to verify the account and keep it reporting negatively on your credit file for up to 7.5 years. Please do not send them anything. It is up to them to furnish the evidence and get it from the original creditor.
Established Contributor
Posts: 560
Registered: ‎05-03-2007
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Re: interesting midland credit managment letter received today...

that is kind of what i was thinking!  :smileyvery-happy:
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: interesting midland credit managment letter received today...

Did you dispute with CRA's or send a DV letter to them?
 
Established Contributor
Posts: 560
Registered: ‎05-03-2007
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Re: interesting midland credit managment letter received today...

both.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: interesting midland credit managment letter received today...

They must think your a fool...I wouldn't give them any info. We know your not...Cause your a credit expert now! hehe! 
9/18/08 TU=707 EQ=706 EX=702
Established Contributor
Posts: 560
Registered: ‎05-03-2007
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Re: interesting midland credit managment letter received today...

when i read the letter, i started laughing.  my wife thinks i am crazy...and she wonders why i am on the computer all the time. 
 
i have already started fixing her credit, without her knowledge, and plan to throw our six 700+ reports at her sometime next spring.  yay!
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: interesting midland credit managment letter received today...

Go DOG! :smileyvery-happy:
9/18/08 TU=707 EQ=706 EX=702
Frequent Contributor
Posts: 436
Registered: ‎06-15-2007
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Re: interesting midland credit managment letter received today...

That is so cool. What a great husband.
Established Contributor
Posts: 560
Registered: ‎05-03-2007
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Re: interesting midland credit managment letter received today...

thanks!  she will be very happy, especially if i can get the lates deleted from a student loan that she cosigned for her lazy, worthless slug of a brother....i ended up pif'ing it a few years ago for her, but didnt know at the time that i could have probably worked out a deletion with kheslc....wish me luck!
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