TY TY TY, for this info, ive been trying to figure out which statues were the best to use, and really appreciate this, sending this out today.
My Midlands saga, is about the same as the rest, but we have been going crazy trying to close up our home loan. As I was in the mortgage industry for 20+ yrs previously, I figured I could handle this situation, but wow MIDLANDS is like a flesh eating disease!
We had gone around and around, with them trying to get them to remove outrite, since it was a debt to my husbands old cell bill. This was for cancellation of three lines, but we moved out of state, so not supposed to be liable. haha I guess Midlands didnt get the message.
Anyway after the 3 contract extension, I had finally lost my composer. I was so angry with Equifax, as I told them what was wrong with the information on our report, well they kept saying that they physcially can't see what I was telling them was clearly wrong. Not sure why or what that means, but when I sw them, made it sound like something was fishy, my honey went on this blog, and started seeing the posts about the FACTORING COMPANY.
And low and behold we saw that EX was showing this, and Equifax showing as an OPEN account, with a monthly payment. Well original bill was a 1 mo acct, with no set payment, so from what i've now read, when they put it under open, or FACTORING, or monthly payment amount, they in essence are able to trick the credit bureaus into reading it wrong.
Also, with that said, they are able to make them also think we are 120 past due, and also in essence getting a new collection on our credit every single month, as new as 2/2014, even though opened was 2/2012.
So, unfortunately last time I s/w EQuifax, they put account, back in dispute, after we waited for the rescore to take it out for our mortage co. THEN said, they cant remove the DISPUTE info again, until the investigation gets formally resolved, although we had to extend contract again, and pay for rate extension, after the 30 days, we were rewarded with one DELETE off from Equifax, so after 2 plus years of this, i felt it was worth it.
This was last Thur, now here we are two days, later, and get the same crap now added to our TU account, which the whole time was the only one that was correct.
I HAVE OFFICIALLY HAD IT WITH THESE PUNKS. I went ahead and filed the FTC complaint, but originally CONVERGENCE was in the picture. Was nice, got a response from Convergence, saying that they were going to close the account with them and return to Midlands, due to our complaint.
So, now i'm going to again file FTC complaint with midlands only, but the icing on the cake during this whole ordeal, is this.
AFTER WE unDISPUTED the tradeline for our mortgage co, we got the info about equifax being stuff till the investigation was over. Both TU AND EXP, were also again disputed, which we had never even spoken with TU, so NO WAY could have been us, or a mistake.
So my honey called them both, TU said not sure why, but MIDLAND could report it this way, because the account, was formerly disputed, as was their rite. And to check back next day, it may be resolved on its own. Weird, but surprisingly it was not disputed.
But the weirdest was this, He called and spoke with Exp, and in sw them, they said this, after we removed our disputed line, on Fed 4,2014, "someone" a third party" , had put in dispute again on 2/29/14. And on had sent a fax on 3/24/14, taking it out of dispute. THEN IMMEDIATELY AFTER, and I mean rite after, within 10-15 m, MIDLANDS THEMSELVES had again put a dispute on our file.
When Husband pressed them, they asked us if we had hired someone? or a third party, and he said well maybe, but not sure. He had thought they had a fax from "lexington", but wouldn't tell him who had done this supposedly. The weird thing is the guy from EXP was acting a bit weird, like he thought it strange too, THAT MIDLAND, had put in dispute so soon after "SUPPOSEDLY SOMEONE-3RD PARTY" taking it out.
We actually believe that MIDLANDS has been changing the status on at least EXP for the trade line, AND PRETENDING TO ME EITHER MY HUSBAND OR LEXINGTON, or both. We are working on trying to get copies of the documentation that they have regarding this, becuase I would think if we could document that type of stuff, or showing that they are editing documents from our old 3RD PARTY, they may be in trouble with the FCRA or maybe even the feds for pretending to be a consumer and changing his credit.
WELL MAYBE we will be lucky and have MIDLANDS pay for our new home lol.
Anyone else hear of anything this outrageous? I just can't believe the gall of this company. At this point I wouldn't put anything past these guys, they are dirty, and mean, but this goes beyond anything ive ever heard of.
Thanks for reading this book, and sorry if long, really tired was up till 330 with honey in the hospital.
thankfully it's a town of like 5000 people at max and a very small post office and she remembers me.
