Midland Credit Management

[creditballer]

Hi,

Dispute, dispute, dispute! However, only send the DV letter to the CA. If they are a reporting an installment agreement that you never had with them...you definitely have a valid reason to dispute this account and get it deleted. There is a good DV form letter in this thread...please copy and paste it and make the necessary changes for the debt collection agency. In my situation, I had disputed Midland and they were deleted in 2006; however, they reinserted those accounts on all 3 CRA's in Jan '08. So what I did was immediately request a fraud alert with the CRA's and then I disputed Midland and sent them DV letters certified. And so far, TU and EX have deleted them. If you are being sued...please go to court. If not, dispute and DV until it's deleted. Best wishes to you. God Bless! 

[creditballer]

I mailed a letter to Midland on 2/22/08 and I received it yesterday as "undeliverable mail" the address listed on EQ is 5575 Roscoe Ct., San Diego, CA. 92123-1356...this is different from the address that was listed on EX and TU which was: 8875 Aero Drive Suite 200, San Diego, CA. 92123. However, this is going to benefit me, because I am going to copy the letter and write to EQ and request immediate deletion due to this company not even exisiting at the address listed on my credit report. Keep ya posted!

[Anonymous]

Thanks for the info CB.  I come here multiple times a day to see what is being said about collections in in general and Midland in particular.  I am still learning.  I figure that if I DV them, they will come at me with a law suit.  I do not have a thousand dollars to give these people, but I certainly do not want to look at this on my report for another 3 years or so.  I am still trying to find a customer service # for Aspire.  They are not even listed with the 800 directory.

I am very eager to see how your case plays out!!  You go get em!!!

[creditballer]

Update! Midland has been deleted from Equifax on 3/17/08. There are off all my credit reports after a re-insertion on my reports. Thanks to the DV letter, posting a 3-mo Fraud Alert w/ CRA's, and disputing Midland with all 3 CRA's. They are gone!! Hallelujah. Best wishes to everyone out there! Stay on 'em!!

[Anonymous]

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creditballer wrote:

Update! Midland has been deleted from Equifax on 3/17/08. There are off all my credit reports after a re-insertion on my reports. Thanks to the DV letter, posting a 3-mo Fraud Alert w/ CRA's, and disputing Midland with all 3 CRA's. They are gone!! Hallelujah. Best wishes to everyone out there! Stay on 'em!!

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That's great CB!

I am wtf for MCM to be removed from my reports as well.  I am a total newbie so I don't know much but I do know that I will NEVER PAY A CA A DIME - EVER!  They WILL NOT DO RIGHT BY YOU no matter how agreeable they are and no matter if you reach an understanding in writing. Settle your debts with your OC!

Good luck to you all

[atlastontheroad]

Midland just got deleted from my TU and it only netted me 11 lousy points. 

I've sent the MOV letter to both EQ and EX on Midland as well as having sent the DV to the "other" (Roscoe) address listed in the EQ report.  I know it is being returned undeliverable, I'm just waiting for it to physically arrive.

Frankly, it's now more trouble than it is worth, but it is a matter of principle. 

Midland has yet to respond to my 2/20 DV of the Aero address.  I doubt they will respond and have the second letter ready to go on Friday (or Monday, just to be nice).

Since TU deleted it for not verifying, should I send a copy of TU's actions to EX and EQ?  I know that the left hand doesn't know what the right hand is doing but I'm not sure they'll care that another CR deleted.

Can the CR using the Roscoe address just change the address of the CA without a delete and reinsert?  Opinions?  Guesses?  Crystal-balling?  Tarot cards, anyone?

atlast....

Message Edited by atlastontheroad on 03-18-2008 06:20 PM

[creditballer]

Hey there! Midland did not reply to my DV letter either. If you sent it return receipt requested, just hold onto that and be patient, they will be removed from your CR's. You are right, the other CRA's don't really care what happened on the other. You're best bet is to dispute, DV, and wait 30 days. I disputed w/ Equifax because of the Roscoe address as invalid and I spoke with a customer supv who documented the info re the address and reinsertion and in less than a week it was deleted. So hang in there, youre on the path to getting rid of rouge company....peace

[Anonymous]

Hmpf CBaller

You must be in a state that doesn't deal with CSC.  I've been bytchin and moanin since yesterday about how CSC told me JUST YESTERDAY that they would not remove Midland if THEY verified the account and EVEN THOUGH I  DV'd them (Roscoe addy) and they didn't respond to my request for validation.

Faxed it to TU and its coming off - sent it to EX and it's coming off - but EQ? Oh noooooooo!  Let them tell it. 

[pymintz1]

I don't mean to jack anyone thread but I sent a DV to Midland Credit Management and they haven't responded so I sent the information to the credit bureaus I pulled my report again and they have said that I made payments in August, September, they said I paid as agreed then it went to collection that is a lie I'm so mad right now. I don't know which way to go on this.

Account Midland Credit Mgmt

Status as of [?] Sep, 2008 Date opened [?] Mar, 2008 Date of last activity [?] Dec, 2007 Date of last payment [?] Not Reported Date closed [?] Not Reported Account number [?] XXXXXX7841 Loan type [?] Unknown - Credit Extension, Review, Or Collection Credit limit [?] Not Reported Largest past balance [?] Not Reported Terms [?] 1 Month Account Type [?] Installment Account holder [?] Individual Scheduled payment amount [?]

Not Reported

I just got this report today. I have my old credit reports and they were never even there HSBC charged this off July 2004. I haven't had anyone contact me so how can I agree to something no one has said anything to me.

D

[Anonymous]

I see you are also dealing with an Aspire account. 

I've never had an Aspire account, but no one will listen to me.  I suppose the one I did have could have changed names, but MCM won't even bother to prove they are correct.  I've asked them to trace clear back to the beginning of the account and I have never received an answer.  And then they hired Leading Edge to attempt a collection and that was not pretty.  I'm tired of being harassed.

Good luck with your attempt at recovery.