Midland Credit Management

haleyjen · ‎08-30-2016

Hello! I had gotten midland off of my credit report and they're back with a new letter. I honestly don't remember having a third capital one account, and portfolio, sweethearts that they are, have the two that I know are mine. I submitted the letter to collection shield 360, so we shall see. Anyway, the letter says that even if I pay it, they're still going to report it, so why would I pay it???? They also have only given me two weeks....will they report that quickly? Help!

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Anonymous · ‎08-30-2016

@haleyjen wrote:
Hello! I had gotten midland off of my credit report and they're back with a new letter. I honestly don't remember having a third capital one account, and portfolio, sweethearts that they are, have the two that I know are mine. I submitted the letter to collection shield 360, so we shall see. Anyway, the letter says that even if I pay it, they're still going to report it, so why would I pay it???? They also have only given me two weeks....will they report that quickly? Help!

Seriously? Thats pretty harsh even for those a-clowns. Never seen that statement before. If you do not thinks its valid then a DV is in order, quickly. Ask for as much information regarding the account that you can think of.

haleyjen · ‎08-30-2016

If I passed it on to Collection Shield 360 should I also send a DV or is that overkill?

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Anonymous · ‎08-30-2016

@haleyjen wrote:
If I passed it on to Collection Shield 360 should I also send a DV or is that overkill?

I would send a DV myself, and submit the letter to CS 360.

RobertEG · ‎08-30-2016

I assume their letter was a dunning notice.

You must submit any DV within 30 days of that dunning notice to be timely, and thus invoke a cease collection bar.

Thus, I concir in not waiting for other actions, such as Collection Shield 360. I would immediately submit your DV.

You may additionally have enhanced validation rights under state law or regs if you live in a state that has enacted any enhanced procedures.

What is your state of residence?

haleyjen · ‎09-02-2016

Nope, Illinois. Their laws read like it's still a red state.

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Anonymous · ‎09-02-2016

Have you checked to see if they are attempting to collect on one of the cap one accounts portfolio is collection on?

Sometimes they try to do that

Anonymous · ‎09-14-2016

Any luck with Collection Shield?