Midland BS

[injustifiiable]

---

@Tommy5746 wrote:

I actually disputed a MIDLAND derog with experian yesterday... Hopefully they remove it... Ill keep you guys posted

---

I had to dispute again on EQ...ugh. Just get rid of it already....I will nag them until they do.

[Anonymous]

It took me 4 months before Midland went away! But it was worth it!! Keep hounding them

[OneDirection]

Hi, I am in the process of disputing with midland funding. After reading through this thread, I realize that I did have an aspire card that was a charge off. Besides, disputing on the credit report, would I then mail a letter out to Midland?

 Thanks for for any information.

[mmb]

I'm intrigued by this - I'm really hoping to get a Midland tradeline off of my report, which just happens to be for a Tribute card. It's already been paid in full, I just want the damn thing off of my CR! 

[DM6410]

---

@mmb wrote:

I'm intrigued by this - I'm really hoping to get a Midland tradeline off of my report, which just happens to be for a Tribute card. It's already been paid in full, I just want the damn thing off of my CR! 

---

I would dispute with all credit bureau's based on FTC ruling 12/19/08 and send a copy of the ruling to each one (YMMV, this worked for me though), BBB and CFPB (Consumer Finance Protection Bureau. I had also faxed each CB a copy of my PAID verification provided by Midland. In the dispute to BBB, CFPB, I also posted a link in the complaint section for them to pull up as well since I did it online.

[traveler2005]

Hi

Below is the letter that I sent to Jefferson Capital, I had already sent a complaint to the FTC and FDIC. I sent it certified mail with return receipt. They received it and I had my letter within 6 days, saying that they were deleting, I have checked my credit reports, and both accounts have vanished. Best wishes to you.

To whom it may concern:

In reviewing the information that you have forwarded to the credit bureaus, I have noted that you are reporting tradelines as follows:

(insert your card name account number and CRA's here)

Reporting of these tradelines and 3rd party collections of these accounts is prohibited by the Federal Trade Commission ruling Case # 1:08-cv-1976-BBM-RGV, 12/19/2008. Please remove all tradelines from any and all credit reporting agencies (Experian, Equifax, Transunion etc) as mandated by this ruling.

I have already filed a complaint with the FTC, and the FDIC, and will also file a complaint with the BBB if reporting tradelines are not deleted in a timely manner (10 business days)

Thank you for your attention in this matter.

This is the exact letter I used. Simple but to the point.  Best wishes to you, I believe you will get a quick response

This only applies if you had a card from them I believe from 2006-2008, you'll have to read the case and see if your situation applies. Good Luck

[traveler2005]

Hi

Below is the letter that I sent to Jefferson Capital, I had already sent a complaint to the FTC and FDIC. I sent it certified mail with return receipt. They received it and I had my letter within 6 days, saying that they were deleting, I have checked my credit reports, and both accounts have vanished. Best wishes to you.

To whom it may concern:

In reviewing the information that you have forwarded to the credit bureaus, I have noted that you are reporting tradelines as follows:

(insert your card name account number and CRA's here)

Reporting of these tradelines and 3rd party collections of these accounts is prohibited by the Federal Trade Commission ruling Case # 1:08-cv-1976-BBM-RGV, 12/19/2008. Please remove all tradelines from any and all credit reporting agencies (Experian, Equifax, Transunion etc) as mandated by this ruling.

I have already filed a complaint with the FTC, and the FDIC, and will also file a complaint with the BBB if reporting tradelines are not deleted in a timely manner (10 business days)

Thank you for your attention in this matter.

This is the exact letter I used. Simple but to the point.  Best wishes to you, I believe you will get a quick response

This only applies if you had a card from them I believe from 2006-2008, you'll have to read the case and see if your situation applies. Good Luck

[xqti254]

Are there any new developments in any of these cases that would help someone just starting out? Thank you for any help.