These guys are scum, bottom feeders, watch them! They are well known to report old accounts that are way past SOL, like over 10 years, and they like to change the Original Creditor info. Do not talk to them on the phone, always get answers in writing and do not sign your name to the correspondence. A typed name is all you need when asking for debt validation. They also like to change the DOFD and the DOLA. I have an account that is supposed to delete Jan 2008, they bought the account for pennies from BofA and have altered the DOLA to show account deletion of 2009. I have disputed this account for 2 years and it comes back different each time. They even changed it to look like it was a medical bill. And their address is wrong. Your mail comes back as undeliverable. The CRA's refuse to correct and/or delete even with proof and I don't have the energy to sue either one.
Just remember to never sign your name on any paperwork! I have reviewed lots of cases on Pacer that deals with Midland's reporting tactics. They usually don't play by the rules until you sue.
Did you get a "score alert" by chance?
Does it report an Original Creditor on your alert info?
Before you contact Midland, call the CRA's and see what their Date to be removed is. I bet if Midland says it was opened in Sept 2001, the OC's chargeoff date is sometime between 1996 and 1998. That is way past SOL for reporting. I am only saying this as all of the cases I read which had an open date in 2001 (which means when Midland may have gotten the account) were actually accounts that were charged off by the OC in 1996 - 1999. If you can pinpoint the OC's chargeoff date then you can Dispute the Debt with the CRA's as past SOL and they have to delete. Keep copies of everything and notate all conversations with CRA's.
