Midland SUCCESS!!!!!!!!!!!!

[lincar66]

I filed a complaint with the CFPB and today midland responded to the dispute and here what they said.

Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. Please note, Midland Credit has no control over the credit reporting of the original creditor. However, with respect to Midland Funding's tradeline, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files. Please see Midland Credit's comprehensive response letter, which is attached for additional information.

I'm so excited expecting a sweet bump on all three the scores in Sig are current maybe I will hit 700 on experian

[Anonymous]

Wow congratulations!! I've read here they are tuff to deal with. Could you send me private email telling me just how you did this?? I'm up to my eye balls with 3 collection companies.. How long did it take you to get this done??  Thanks and good luck

[lincar66]

The account was fraud so they kinda had to remove it I just did it through the cfpb

[lincar66]

My question is now that the ca agreed to delete it will the oc delete upon midland deleting 

[gdale6]

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@lincar66 wrote:

My question is now that the ca agreed to delete it will the oc delete upon midland deleting 

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No, you are going to have to go thru the ID theft process with the OC, its doubtful the OC will fold with a CFPB complaint as its not the procedure to be used to exclude ID theft accounts. Grats on getting the CA removed.    I suggest you review the proper procedure here  

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...

[lincar66]

I already has an affidavit on the way to get that process going