@kennerchick wrote:
@Jamgal40 wrote:
I had previously submitted a complaint to the CFPB against Midland and I just sent a screenshot and a photocopy of a settlement offer Midland had sent me to the CFPB becuase that was the only proof I had. Midland was reporting as the OC. In the end they deleted, asked that the debt not be reinserted, but said I owed the debt. I have since paid them and they have remained off my reports so far.When I've disputed Midland via CRA, it just comes back as valid, no letter mailed to me, or anything. When I have tried to dispute PRA via CRA, I got letters from PRA! LOL
All 3 are reporting wrong and they are NOT the OC!
You do not owe Midland, you only owe the OC, so I can't see how they can say that you owe them! Just my 2 cents
Thanks for the help.
I do know that I did not owe Midland, but since they are the true owner of the debt and I wanted to clear my credit report and not get sued, I paid. Best of luck to you.
