topic Re: MIDLAND replied to DV Letter!!!! in Rebuilding Your Credit

MIDLAND issues

afbar1114 — Thu, 23 Feb 2012 04:43:06 GMT

lets make one thread with all MCM issues in one. i have seen about 4 threads started in the past 30 min because of a reporting issues midland is have with what seems to be only EQ reports.

Pulled my EQ today and midland opened another account for the same collection. but marked it with a new balance and payment info and now both are showing open unpaid also incldued a new date of major first DQ of 2/2012.

i just hope me disputing all my reports will help me since they were in dispute. i may have to send letters again and have them dispute again

Re: MIDLAND!!!!

RobertEG — Thu, 23 Feb 2012 02:51:55 GMT

They are only entitled to report one collection activity on the same debt. I would file a direct dispute with them for duplicate reporting of the same collection activity.

Date of major first delinquency is immaterial. It is the date of first delinquency that matters.

If it is inaccurate, you can, of course, dispute, but it has no significance to the credit report exclusion date.

Re: MIDLAND!!!!

afbar1114 — Thu, 23 Feb 2012 03:02:11 GMT

i am disputing both i cant beialve that they did that.. just checked again one says midland management the other says midland funding. same acct#

Re: MIDLAND!!!!

Anonymous — Thu, 23 Feb 2012 03:48:07 GMT

We've had a couple of people these past few days with the same problem. I'm one of them. They are suddenly reporting twice. Obviously, they had some sort of error when reporting this month because the same thing has happened to so many people. Somebody else had their date changed to 2/2012. Somebody disputed online and have already had the item removed so I think the CRA already knows about the problem. Could be wrong though.

Re: MIDLAND!!!!

afbar1114 — Thu, 23 Feb 2012 03:54:24 GMT

yea same here it says 2/12 but still filed a complaint with FTC BBB and tomorrow will be AG

Re: MIDLAND!!!!

afbar1114 — Thu, 23 Feb 2012 04:41:53 GMT

BUMP

Re: MIDLAND!!!!

AFreshStart — Thu, 23 Feb 2012 04:54:31 GMT

I just sent a dispute to EQ. I hope this was a glitch a not a shady business practice. It hasn't hit my TU report. I'm praying it doesn't go that far. Im emailing BBB in the morning, I do not need any unnecessary setbacks. SMH, Midland....

Re: MIDLAND!!!!

afbar1114 — Thu, 23 Feb 2012 04:55:41 GMT

its crazy but if it reports as paid closed as too disputed score will go up or down?

Re: MIDLAND replied to DV Letter!!!!

Anonymous — Thu, 23 Feb 2012 04:57:21 GMT

Today I got an alert for an account been added to my credit file. Well let me inform you a little on what happen. I had received a dunning letter about 1 month ago from the company named Midland Credit Management Inc. After them submitting me the dunning notice, I sent them a DV letter which last week I had gotten a response. They did responded but not really what I had asked to show me proof of contract or something that attach me to the T-Mobile account. What in fact they sent, was a print-out of the account information, old address but missing apt number, my name and SS#, but nothing to do with me signing any contract or anything like that. NOTE: At the time of the dunning notice, they were not reporting to my credit file and today they are on my credit file.

My credit now has decrease 5 points and now I am in need of help on how can I attack this company. I do have funds to pay but won't until they agree to delete.

What should I do in this case?

Re: MIDLAND issues

MarineVietVet — Thu, 23 Feb 2012 05:26:16 GMT

@afbar1114 wrote:
lets make one thread with all MCM issues in one. i have seen about 4 threads started in the past 30 min because of a reporting issues midland is have with what seems to be only EQ reports.

Pulled my EQ today and midland opened another account for the same collection. but marked it with a new balance and payment info and now both are showing open unpaid also incldued a new date of major first DQ of 2/2012.

i just hope me disputing all my reports will help me since they were in dispute. i may have to send letters again and have them dispute again

That sounds like a good idea but it will never work because too many people log on and don't read any threads already started and begin yet another one that says/asks the same exact thing as 25 other threads on the same board.

That's just one of the foibles of an online forum I'm afraid.

Re: MIDLAND issues

AFreshStart — Thu, 23 Feb 2012 05:36:48 GMT

I just sent my BBB complaint, I was too disappointed to wait till the sun came up.
According to the BBB website this company was previously lost a lawsuit Im which they were ordered to pay over $900,000 dollars for collection violations. Clearly they havent learned anything or that wasn't even a dent in their pockets.

I guess I will have to say goodbye to my AAOA and utilization for the next month. :'(

Re: MIDLAND issues

Anonymous — Thu, 23 Feb 2012 05:51:05 GMT

I have an account that's also showing up on Equifax twice. I just disputed it. Don't know about EX or TU because I haven't pulled those recently.

Re: MIDLAND issues

kaylord84 — Thu, 23 Feb 2012 07:31:25 GMT

i justgot a alert from score watch that these guys put another account on my report

Re: MIDLAND issues

bbb3601 — Thu, 23 Feb 2012 12:17:29 GMT

It would be oh so nice to be part of a big class action against them!!!!

Re: MIDLAND issues

afbar1114 — Thu, 23 Feb 2012 12:56:12 GMT

this could into a class action

Re: MIDLAND issues

llecs — Thu, 23 Feb 2012 15:21:20 GMT

@MarineVietVet wrote:
@afbar1114 wrote:
lets make one thread with all MCM issues in one. i have seen about 4 threads started in the past 30 min because of a reporting issues midland is have with what seems to be only EQ reports.

Pulled my EQ today and midland opened another account for the same collection. but marked it with a new balance and payment info and now both are showing open unpaid also incldued a new date of major first DQ of 2/2012.

i just hope me disputing all my reports will help me since they were in dispute. i may have to send letters again and have them dispute again
That sounds like a good idea but it will never work because too many people log on and don't read any threads already started and begin yet another one that says/asks the same exact thing as 25 other threads on the same board.

That's just one of the foibles of an online forum I'm afraid.

I'll add we'll often merge threads in other boards if the information is uniform, like a major creditor being sold, or a major creditor making a change like adding CLs or removing them, or specific news about a particular topic. For example, if Midland announced they were to close forever, we might have quite a few posts about that (if only it were ever true).

In the case of this board, it's very difficult to merge threads because everyone's situation is different. Some might be in a position where they are about to be sued or were sued, or maybe MCM is collecting on a debt that wasn't legit or the poster was a victim of ID theft. And maybe the posters goals are different. Some want to press for a PFD and move on. Some won't pay even if Hell freezes over. Everyone's advice will differ.

Re: MIDLAND issues

afbar1114 — Thu, 23 Feb 2012 17:39:56 GMT

just spoke with mcm. told them to fix issues and that i filed complaints. they told me they need a copy of my credit report to fix it. told them if they dont fix it within 30 days i will get a lawyer. then said they only report once a month and they need my credit report. told them im getting a lawyer and they hung up on me

Re: MIDLAND issues

Anonymous — Thu, 23 Feb 2012 18:27:41 GMT

@bbb3601 wrote:
It would be oh so nice to be part of a big class action against them!!!!

Re: MIDLAND issues

afbar1114 — Thu, 23 Feb 2012 19:14:32 GMT

my letter to midland

As of, February 22, 2012 Midland Credit Management and Midland Funding LLC. Is in violation of the Fair Credit Reporting Act by reporting the same account twice on the Equifax Credit Report. As such I will be seeking legal counsel if this is not corrected within 30 days from the above-mentioned date. I have called and spoke to your agents explaining that Midland Credit Management is in violation of the Fair Credit Reporting Act.

I have disputed all accounts with all of the major credit reporting agencies. I have also filed complains with the Federal Trade Commission, the Better Business Bureau, and the California Attorneys General Office.

Under my rights of Under § 617 of the Act, (15 U.S.C. § 1681o). Midland Credit Management is in violation of not reporting accurate information as such I may be seeking damages of the amount of which I paid to the account due to the fact that the new account is reporting on my credit reports and may be damaging to my credit as well as defamation of character. I suggest that all accounts on my Equifax, Experian, and Transunion reports deleted in full or I may be required to seek additional legal aid.

Re: MIDLAND issues

afbar1114 — Thu, 23 Feb 2012 21:40:23 GMT

just sent out my email with a bit of changes. then about 5 mintues later i got an email from Lead Executive Assistant to CEO & CFO.... so we shall see what happens. BTW my subject line was Legal action/ FCRA vilotaion... you think they took that one seriously? lol