Midlant Upate, Interesting.

[Anonymous]

So for those of you who weren't following;

Disputed an hold Household Bank CC Charge-off and a Midland Collections for same in December. Came back 'verified', which as far as I can tell these days simple means a creditor says yes i have that person down as someone to collect money from, nothing more.

So I DV'd both the CA and OC.

Household wrote back that they investigated and upon review removed from all the CRAs, i.e. no supporting docs that it is mine, and apologized for inconvenience.

Midland of course did NOT supply docs (since there are none) OR reply, they just decoided to ADD it to Equifax where it had only been on the other two previously.

I contacted HSBC and told them the story, they just had me fax everything to them, my letter, their reply, my credit-report. They say they are going to call Midland and BUY THE ACCOUNT BACK and remove it from the report for me!

I'll believe it when I see it, but between that, an additional letter to their offices, and a letter to each of the CRAs threatenng them if they didnt remove the illegal tradeline that ignored demands for docs AND the fact the OC said 'not mine', I think this thing will come off. I hope so at least, it would be great!

[Anonymous]

It is an absolute shame that you have to go through all of this with Midland. There has to be some consequence for all of the trouble they are causing and all of your efforts they are ignoring.

[Anonymous]

Hey NYCC2

I hope you are around to get this.   Have you seen this site?  I just found it minutes ago.  http://www.budhibbs.com/debtcollectorpages/midland_credit_management_cmts.htm

[Anonymous]

Thanks for the link. It just confirms my history.

Currently I have a;

1) A letter to the 3 CRAs showing the history of DV Request, Signed Receipt from Midland, lack of reply, AND addition to Equifax as my 'punishment'

2) I've got Household Bank on their ass hopefully. I've been very diligent, HSBC is going to use my documentation to buy the debt back from Midland at the very least. My only 'worry' is that Midland DOES have documentation and provides it to HSBC who then adds their own baddie back to my credit-reports. From the blog you sent me that seems unlikely.

After it is off I may sue them for adding to my report after disregarding a 30 day DV window.

I'll keep you updated, pretty sure it will fall off in 30 days or less.

[Anonymous]

Interesting. I tried to hire a Credit Attorney to help shake this, but the fact i made three payments last year means they won't take the case. Their comments;

1) Menaingless that Household Bank, the OC, has no docs and removed from report since they sold it

2) Meaningless I asked for Documents since outside of the 30 day window I have

3) MeaninFUL I paid in good faith before I realized it might not be mine.

What a wonderful scam, I am QUITE sure many of these agencies make millions assigning debts to people they know won't check, don't know better, and can't fight back because the laws, which are UNAMERICAN, are stacked against them.

My plan: To fax and write Midland every single freaking day.  all they can do is take me to court and I'll use SOL, improper reporting, and whatever other violations I can against them.

In fact, I say we do a Midland Blitz on this board, EVERYONE who has a Midland Account (of out SOL) should fax, call, write every day, and dispute over and over. Let's overload them so much they go out of business keeping up with us.