Midland Funding deleted

[_NERD]

From EQ CR so far. Waiting for TU and EX to delete them. Doing a happy dance. Debt wasn't validated via disputes. A problem gone for good?

Happy dance commencing.

edit: this is from DW's CR, not mine. I have zero collection accounts. 

[kennerchick]

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@ShortBus wrote:

From EQ CR so far. Waiting for TU and EX to delete them. Doing a happy dance. Debt wasn't validated via disputes. $2,697 problem gone for good.

Happy dance commencing.

edit: this is from DW's CR, not mine. I have zero collection accounts. 

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Congratulations!!

How did you dispute it? CRA, though them, BBB?? 

They are on my husband's and they are reporting as a Factoring Company with 1 month terms, I know that's against the FDCPA according to an article I read, just want more ammo to toss at them LOL

[RobertEG]

Deletion as a result of lack of verification in a dispute is not absolute.

The collection could be reinserted by the same debt collector or another debt collector if they provide, along with their reporting, a certification of accuracy.

If that is done, the CRA must send you written notice that they have reinserted.

If a collection is reinserted, be on the lookout for a written notification from the CRA indicating that the reinsertion provisions of the FCRA have been complied with.