BBB disclosure form for Midland

[jsk300]

I've fired off a complaint to the BBB of San Diego with regards to Midland Credit. They are reporting on my TU & EQ CR's.  I have DV'd Midland 2 times to no avail.  Disputed with TU/EQ and both continue to verify/update.  The BBB just sent me an email with disclosure authorization form to complete, as well as the following statement from Midland:

***Midland Credit Management has indicated they cannot disclose confidential information without your consent. Enclosed/Attached is a disclosure form which needs to be signed and mailed, faxed or emailed back to our offices within 14 days of receipt of this notice. Without this form we will be unable to assist you further. Our fax number is 858-496-2141.

My question is should I complete this form.  It is asking for my signature and I know how shady these CA are.  What should be my next step.  I may just send Midland an ITS letter to get their attention.

[PayYouNever]

have you been sending the DVs CMRRR? If so, and you have the Green Cards, then send the ITS letter CMRRR, and maybe two or three weeks later actually file a small claims suit in your local jurisdiction for violation of the appropriate federal (and possibly state) act.

When filing out the small claims form,  you'll need to find out how the violations are in terms of damage ($1,000 per instance?) and take the stance that Midland violated you 3 times (for each CBR).

I'm doing the same thing, but I'm at the stage where I'm about to file the small claims suit, just waiting out the 30 days of the ITS letter.

In addition, since I live in California and Midland never notified me that they were reporting this negative information, Midland is in violation of California Civil Code 1786.25 (2)(b), perhaps another $1,000 fine?

All told, I could be looking at $4,000 in awarded damages, compared to the $78 they claim I owe.

If you live outside of California, it's unlikely that Midland will send a representative to your court of jurisdiction to defend, and YOU'LL win by default judgment.

[jsk300]

I certainly do have all copies of the green CMRRR's showing their receipt and signature for receiving my DV requests.  I was hoping to have some success with the BBB, but now I see that is not going to happen.  I've already worked up an ITS letter, and now I am going to send it on it's merry way.  Due to Midland's reporting this invalidated account, they have now cost me by being denied credit.  I have a few violations already against them (sending me a "settlement" offer after my 2nd DV attempt), updating/verifying with the CRA's and not validating this debt. 

[Anonymous]

---

PayYouNever wrote:

have you been sending the DVs CMRRR? If so, and you have the Green Cards, then send the ITS letter CMRRR, and maybe two or three weeks later actually file a small claims suit in your local jurisdiction for violation of the appropriate federal (and possibly state) act.

When filing out the small claims form,  you'll need to find out how the violations are in terms of damage ($1,000 per instance?) and take the stance that Midland violated you 3 times (for each CBR).

I'm doing the same thing, but I'm at the stage where I'm about to file the small claims suit, just waiting out the 30 days of the ITS letter.

In addition, since I live in California and Midland never notified me that they were reporting this negative information, Midland is in violation of California Civil Code 1786.25 (2)(b), perhaps another $1,000 fine?

All told, I could be looking at $4,000 in awarded damages, compared to the $78 they claim I owe.

If you live outside of California, it's unlikely that Midland will send a representative to your court of jurisdiction to defend, and YOU'LL win by default judgment.

That's an interesting approach...I may have to consider that one...although I'd really like to nail them in Federal court!