I just shared this in another post about Midland and thought it may be helpful, since it was also with T-Mobile! ....
I had an account in collections by Midland. They kept calling and I kept saying send me documentation of the debt and all would send me is their statement. I disputed on credit bureaus to no avail. I probably owed about $80-90 but the amount in collection was quite a bit more and they would only settle for 50% -- which was more than I actually owed. I would have paid it if it got the item off my otherwise spotless (after a lot of work) credit report, but it would still remain on it for two more years.
Finally, I submitted on the CFPB website. I received a response a a week or two later that they were legally in compliance with credit reporting requirments, but it included a reply from the agency that in good faith they were removing the item from my credit reports. Needless to say, I was shocked.
So before you give up on trying to fix a mistake with them -- and get tired of the repeated phone calls which ignore your requests -- try the CFPB. We're certainly paying enough tax payer money to fund them!
