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New Member
cgardnervt
Posts: 9
Registered: ‎04-22-2013

Issue with Midland

Hello everyone! I have a quick question for you all.

 

I got a letter from Midland about some money that I owe them. However I dont owe anything. So I called them up and asked for some prof and to validate this debt. However they are telling me thatt he validation is long past due and that the prof has to come from my side. I thought I could request validation from them but they will not send it. How do I go about this now? Ih ave an old Verizon account from way back in 2007 or so and some CC I dont think I ever had. Its for a low amount but I dont want t pay anything that I do not owe. So I asked them for validation. Are they correct? (Oh and the Verizon bill is paid.) A little upset becuase the account also rwads as 120 days past due....But wouldnt it be clsoed. Anyways not where where to turn from this. I found out when my CU pulled my credit last. Plus Igot a bill from them VIA the mail. I am in no way under any contract with them...So I am asking for prof. And I doing this wrong?

Thanks for any advice!

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Issue with Midland

In the past did you ever receive a dunning notice from them? 

 

For the Verizon account contact Verizion and see if they have your account showing a past due balance.  If not tell them Midland is trying to collect one and see if you can get a PIF letter with a date.

 

Do that for the CC account also.  Maybe they will write you a letter stating you never had an account with them.

New Contributor
HisFirstLady
Posts: 69
Registered: ‎03-27-2013

Re: Issue with Midland

I just sent you an inbox with some contact info for their compliance manager, he was great with getting inaccurate information removed from my reports. 

Starting Score: (3/26/2013) EQ Fico 603, TU Fico 569, EX(plus) 584
Current Score: (5/8/13) EQ Fico 670, TU Fico 729 EX Fico 689 (lender pull)
Goal Score: 700+ across the board........

New Member
cgardnervt
Posts: 9
Registered: ‎04-22-2013

Re: Issue with Midland

Thank you both! I will check my inbox.

Regular Contributor
iwant700fico
Posts: 126
Registered: ‎02-25-2008

Re: Issue with Midland

I also have issues with Midland. can you send me the contact  info on Midland as well?

 

Thanks

 

EX 727 APR 14
TU 708 APR14
EQ 689 APR14
Contributor
Bell536
Posts: 100
Registered: ‎04-17-2013

Re: Issue with Midland

I had the same issue just last week.  I had an old verizon bill that was paid back in 2009.  Midland tried to collect and even sent offer for 50% off.

(lord knows how or when they got this old account information.  seems illegal if ya ask me!)

I called verizon, got a letter from then on verizon letterhead stating it was paid in full with $0.  I faxed and mailed it to midland.

After that I called midland..they said it will take 7-10 business days to remove from my report.

 

PM me if you need any mailing addresses, names or phone numbers for both places.  I'd be happy to help you.:smileywink:

 

 

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Contributor
Bell536
Posts: 100
Registered: ‎04-17-2013

Re: Issue with Midland

Lady,

Could you please PM me the compliance manager info too?

Please and thank you!

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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