Midland Funding

[nicholasyud]

Midland funding put a 120 day late on August 2012 even thou the account went to collection on 2010. They just recently insert the 120 days late on my report. Just got my report through credit monitor and its 725 exp 602 on equifax ( 120 day on Equifax only) what can I do in this case ?????

[chasmith]

It sounds like the OC sent it to collections in 2010 and recently sold it to Midland.  You need to think about the SOL (time when they can sue) before "poking the bear" by communicating with Midland.  The SOL is different by state and type of debt, but generally the clock starts running the first time the account went delinquent (DOFD), after which it was never brought current.

[nicholasyud]

Everything outta SOL i currently dispute with them and except delete it like they said on the letter they put 120 days late on August 2012.....

[Elcid89]

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@nicholasyud wrote:

Midland funding put a 120 day late on August 2012 even thou the account went to collection on 2010. They just recently insert the 120 days late on my report. Just got my report through credit monitor and its 725 exp 602 on equifax ( 120 day on Equifax only) what can I do in this case ?????

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It sounds like Midland is trying to reage the debt. Dispute it with the bureaus.

[jerrod76]

Midland is a shameless scoundrel,  they place footloose and fancy free with the law.   They are a freakin ca not original creditor. Unless you agreed to pay them, or made payment arrangements they dont have the legal authority to place late payment dates. Did you dv them when you recieved their dunning letter?  Frankly it sounds like a fcra violation to me.  Midland is a huge corporation, they violate the fcra, fdcpa , all the time.   Good luck with the cras, sometimes they can help, sometimes you ll have to be more agressive.

[Shogun]

They must have listed themselves on your report as a factoring agent, that way they get around the CA reporting rules.

[poohda23]

They just did me the same way on my credit report, along with Accelerated Financial.  If anyone has any ideas let me know.

[nicholasyud]

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@poohda23 wrote:

They just did me the same way on my credit report, along with Accelerated Financial.  If anyone has any ideas let me know.

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did they put on all three credit bureaus or what ?

sometime i feel like CRA had not protect us from those junkie debt. hmmm i so mad right now......working on letter and sent to CRA...hmmm