topic Re: Midland asking for documentation in Rebuilding Your Credit

UPDATE Midland asking for documentation

awash242 — Sun, 13 Nov 2011 20:55:08 GMT

I sent a DV to Midland about an old T-Mobile Account.

I got a response letter from them this afternoon asking me for any supporting documentation to help with the investigation.

In the meantime, they are listing the account as "Disputed" with the CRAs.

What is the appropriate response here? The burden is on the them to prove the debt it mine, right?

Thanks!

Re: Midland asking for documentation

Datx — Sat, 12 Nov 2011 23:03:08 GMT

@awash242 wrote:
I sent a DV to Midland about an old T-Mobile Account.
I got a response letter from them this afternoon asking me for any supporting documentation to help with the investigation.
In the meantime, they are listing the account as "Disputed" with the CRAs.
What is the appropriate response here? The burden is on the them to prove the debt it mine, right?

Thanks!

Absolutely nothing, do not send them anything else until they properly validate the debt.

Re: Midland asking for documentation

awash242 — Sun, 13 Nov 2011 03:22:04 GMT

Thanks!

I will wait and see what they say after their "investigation".

Re: Midland asking for documentation

Booner72 — Sun, 13 Nov 2011 03:45:12 GMT

They want you to do their job for them. IDIOTS! I'm guessing if you follow through with this it will get deleted, as from the sounds of it, they can't validate. (Don't talk to them on the phone....all in writing.....keep a paper trail on this one).

Re: Midland asking for documentation

awash242 — Sun, 13 Nov 2011 03:48:07 GMT

Thanks, Booner. So am I proceeding in the right way by not responding for now?

Or do you think that I need to follow through right away?

This is one of my last collections and it is being reported on all 3 CRs so a removal would be great.

Thanks again.

Re: Midland asking for documentation

MarineVietVet — Sun, 13 Nov 2011 04:01:30 GMT

Midland is just stalling. I wouldn't do anything else. Even if they take their sweet time validating (BTW unless you live in Texas a CA has no time limit to answer a DV letter) they have to stop collection efforts until and if they do respond.

Now they might sell it to another CA if they can't validate. You might watch for that.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Midland asking for documentation

awash242 — Sun, 13 Nov 2011 04:10:16 GMT

Thanks, MarineVietVet.

I live in NJ, so I'm syre they will take their sweet time. If they sell it to another CA I guess I just have to DV again.

In the meantime, I will just wait and see what the outcome is.

Thanks again everyone.

Re: Midland asking for documentation

awash242 — Sun, 13 Nov 2011 21:05:10 GMT

**UPDATE**

Well that was fast. I got a scorewatch alert email today, so I checked it when I got home and Midland is gone from my EQ report. I will wait a bit to check EX and TU, but I am very happy. Hopefully it doesn't pop back up at another CA in the future.

My biggest score jump yet: 29 points!

Edit: The score jump is also due to a Medical Collection being PFD'ed (Apex Asset Management).

Thanks everyone!! Im making progress.

Re: Midland asking for documentation

Booner72 — Sun, 13 Nov 2011 21:25:35 GMT

NNNIIIICCCEEEEE!!!

Re: Midland asking for documentation

awash242 — Thu, 01 Dec 2011 22:48:56 GMT

Well, I'm pissed. MCM is now back on my reports and I received a letter today stating that I "did not provide sufficient information to investigate the credit reporting of the above referenced account"

They sent me NOTHING to validate the debt, they have now asked that I do their job for them 2 times. There is no way this is right..

What do I do?

Re: Midland asking for documentation

MarcinXP — Fri, 02 Dec 2011 00:51:41 GMT

Now you send the email to the CEO and COO of Midland/Encore Group and state the facts..\

You sent me a dunning notice and you were on my credit..

I sent you a DV Letter....

You did not verify the debt and only sent me letter asking for some documentation from me...not sure why as I don't work for you and you need to provide me with proof of debt.

You deleted my trade line from all 3 credit reporting agencies.

Now I see they re-appeared again but I still don't have any debt validation.

You have 5 business days to explain this to me or send me debt verification. If you have not I will file a suit for FCDPA Violation...asking $1000 maximum for damages for :

a) pursuing collection activities without verifying debt.

Please have someone contact me ASAP or delete my trade lines by __/__/____

SIncerely,

LOL..I PM'ed you the email for bigwigs.

Re: Midland asking for documentation

virgo — Fri, 02 Dec 2011 05:13:46 GMT

Awash, The only response from them after receiving a DV is a validation or a deletion. Responding to your DV with a request is not acceptable under the law. It also stopped their thirty days from ticking. Take a copy of the letter that the ca sent you, send it CMRRR to the cb's. Advise them that the ca did not respond properly and demand the TL be deleted. Good luck.

Re: Midland asking for documentation

awash242 — Fri, 02 Dec 2011 13:17:25 GMT

Thanks everyone. I fired off an email to some of the Execs at MCM, and will also be sending a letter to each of the CRAs regarding this matter.

Re: Midland asking for documentation

awash242 — Sat, 03 Dec 2011 03:08:36 GMT

So I sent an email to the CEO and received the following response:

"Midland Credit Management Inc. (MCM) has recently received an inquiry and/or request for information from this e-mail address. It is MCM's policy not to respond to inquiries of this type through e-mail to protect the privacy of those we do business with. If you intended to communicate with MCM, and would like to discuss the matters raised in the prior e-mail, please contact me at 1-800-825-8131 extension edited between the hours of 9:00 a.m. and 4:00 p.m. Pacific Standard Time and I will be happy to discuss the matter with you."

CRA Disputes with all documentation will be mailed tomorrow. Any other advice??

Re: Midland asking for documentation

MarineVietVet — Fri, 02 Dec 2011 22:18:39 GMT

@awash242 wrote:
So I sent an email to the CEO and received the following response:

"Midland Credit Management Inc. (MCM) has recently received an inquiry and/or request for information from this e-mail address. It is MCM's policy not to respond to inquiries of this type through e-mail to protect the privacy of those we do business with. If you intended to communicate with MCM, and would like to discuss the matters raised in the prior e-mail, please contact me at 1-800-825-8131 Mod Cut between the hours of 9:00 a.m. and 4:00 p.m. Pacific Standard Time and I will be happy to discuss the matter with you."

CRA Disputes with all documentation will be mailed tomorrow. Any other advice??

Hi awash242,

I edited the extension number because this might go to an individual and this type of personal information can't be posted. Thanks for your understanding.

MarineVietVet, myFICO moderator

Re: Midland asking for documentation

MarcinXP — Sat, 03 Dec 2011 08:10:27 GMT

Send back an email to the person who emailed you this and let them know that at this time because they have violated FDCPA and basically broke the law you do not wish to contact via phone as every contact you will make from now needs to be in writing since you are planning to file a lawsuit. Let them know that they now have 4 business days to send you a Debt Verification letter to your address via US Mail.

When you sent the original DV letter...did you do it via CMRRR or did you just send it out regular mail? If you sent it via CMRRR and have a copy of a green card...scan it and attach in the email..let them know that you did your due dilligance, you don't work for them so you won't do anything else besides having sent the DV. Highlight the fact they received it and who signed for it and once again ask for proof...

4 business days left before I will pursue legal action.

Re: Midland asking for documentation

Anonymous — Sat, 03 Dec 2011 09:44:03 GMT

My situation is almost identical except they are saying my OC is Verizon. not sure if they are talking about residential or wireless but either way this is not my debt. The stated delinquency on my reports is $1083. I was preparing to apply for a mortgage when I noticed the collection on my reports. So I disputed on 11/19/11 thru all 3 CRA's. The disputes are all pending. I sent them a DV thru CMRRR and received the grren card receipt today, as well as a letter from Midland identical to yours. They received the letter of DV on 11/28 so I guess I will wait 30 days then send letters with all copies of communication (copies of DV letter, CMRRR receipt and copies of the letter they sent me asking to validate the debt for them). I will also send a letter to midland saying if they dont delete immediately then i will file suit. And I WILL file suit. I really dont wanna screw around with this any longer than I have to. Hope I'm doing this right.

Re: Midland asking for documentation

sybo40 — Sat, 03 Dec 2011 11:49:10 GMT

I agree. I just received one of these in yesterday's mail as well. NOT GIVING THEM AN INCH of my time! I mean...REALLY?

Re: Midland asking for documentation

Anonymous — Thu, 31 May 2012 20:27:09 GMT

Same thing just happened to me. I DV Midland they removed it from Exp and TU but not EQ they just reported a 0 balance. They sent another dunning. I DV again they responded with a request for documentation and updated EQ to the original balance of $1090.

What should I do now?

Re: Midland asking for documentation

annielorie — Thu, 31 May 2012 23:28:50 GMT

Follow the directions of the other posters( re this same situation) to a tee Dont give information other than name and address.Good luyck

topic Re: Midland asking for documentation in Rebuilding Your Credit

**UPDATE** Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

Re: Midland asking for documentation

UPDATE Midland asking for documentation