Need some advice. I pulled my credit report and noticed two collection accounts. One was for a credit card I have never owned ($2500+ $2000 interest). The other might have been for a business cell phone I had 10 years ago, but still unsure ($70). I used a standard DV to the companies (Midland and FCO) and sent certified. The FCO was received but the Midland was rejected, can't except mail at that address, which I pulled off their website. I also sent a different DV to each CA for both collection accounts for any copy of documentation provided to them for validation of debt.
One CA has not responded at all, (22 days now), the other was looking into it but do not provide such documentation of DV and recommended I contact the Collectors. Both FCO and Midland said they were looking into it and would appreciate any documentation I had.
Yesterday, FCO sent a letter saying the matter was closed in their office and were instructing all CAs to remove the data from my CR. (Wow, I thought this one might be valid.)
TU and EQ both responded that the Midland account was valid! I know that I never had the credit card! They said to contact Midland for more info. What is my best option? Resend the DV to Midland to an alternate address and hope they accept it? What proof are they required to provide?
Great forum, thanks in advance