10-11-2011 03:01 PM
If I'm not mistaken, it's 100% ON THEM to provide documentation that you owe, NOT the other way around.
I just filed a complaint because Midland is reporting to EQ an alleged debt that is 9 months past SOL.
10-13-2011 05:38 AM
From what I've read from different people is that Midland and they're methods aren't exactly kosher and they just try to get as much money from people as they can whether you really owe them anything or not. I had a judgment against me from Midland on my credit report for a credit card that I never used and closed, but somehow over the years they kept hiking up the price that I supposedly owed them ( which was $0 by the way) until finally they took me to court which I was never notified of at the time and didn't find out till years later when I saw it on my credit report!! I recently disputed the judgment and it was removed from all 3 of my reports. My advice would be to just ignore them, especially if you don't owe them anywhere near the amount they claim or at all. Eventually they'll give up and move on bc they know they haven't been 100% honest and they can't get you to pay. It's worked so far for me.