Disputing paid Midland Funding Collection

[hendersj31]

Ok so After several failed attempts at a PFD at a $113 dollar collection that Midland bought from Tmobile.  I paid them and got the paid in full letter.  They absolutely would not budge and do a PFD.  I even offered to pay more (haha).  However I stated in two letters and as well as on two phone calls that I did not believe the debt to be mine.  They verified each time.  I clearly remember paying the Tmobile bill in full when I closed the account.  Cannot produce evidence however, I am a bad record keeper.

Anyway all that aside.  I would like it off my report and have heard nothing but horror stories about Midland.  Has anybody had any success disputing after paid in full? 

The accunt has been paid for two months and is only about four months old.  I am suspecting they still have easy access to the file and will verify, but just wanted to see if anyone has tried this approach with Midland. I have searched but didn't find and similar cases.   This is my only recent baddy and because it is recent is likely keeping me out of the 700 club, or definitely close. 

Thnaks to all. 

[Anonymous]

Midland funding is a cheating lying, robosigning bully.  Fyi.   Im in the same situation,  an old t mobile bill.  It was ID theft,  and they refused to validate.  Yet the cra disputes kept coming back verfied.    If you are sure you paid it off,  and it was sent to collections anyway, dont lose hope you have options.  How strong is your paper trail? Do you have a copy of the paid in full from t mobile? Can you get it from Tmobile if you dont?   If you can get the paper  work from t mobile,  check out Brim V Midland.   Similiar situation for mr. Brim.   Did you pay by check, credit card , or cash in person?  Either way there should be proof.  You can contact the BBB, FTC, and your state attorney general.  If the received money under falst pretenses,, thats a criminal charge.  Good luck

[Anonymous]

What i usually do is BEFORE i pay it in full, I get them to agree to delete it completely. The companies buy these debts off of the original creditor (In your case Tmobile). So its in the best interest here for Midland to make 'some' profit. If you have any more 'baddies' send me a message. I have a ton of templates that i use to get this stuff deleted. Everything from Paypal, Capitol One, Jcpenney, etc.

Sadly, after you pay it in full, the company doesnt have to delete it. They can send you a receipt saying that you paid it but the only thing they HAVE to do is change the status on your report to say 'paid in full', and sometimes even getting them to do that is a hassle. At this point i would contact them over and over again, and keep asking for a deletion. Letters, phone calls, etc. good luck

[hendersj31]

Yeah, I tried 4 times before paying to arrange a PFD.  They don't budge.  Many on this board can confirm that.  Hoping I will just get lucky and they won't respond to dispute since they have their money now.  Thakks for your offer but there are no other baddies and never will be! 

[RobertEG]

In lauching a dispute based on assertion that the debt is not yours, you need some documentary support.  Just asserting that you dont recall is not support.

In handling the dispute, they are required to investigate their records and based on that investigation, provide a statement that their reporting was accurate.

Most likely a simple statement from the OC that it was not paid will fulfill their obligation.  Having referred the debt to the debt collector is an implied holding by the OC that they dont consider it paid, so verification will most likely be pro-forma.

To get to the factual issues, thus compelling documentation to support their verification, will require either initiating an identity theft proceeding under the FCRA, or else bringing civil action which compels them to provide their supporting evidence.

You can certainly dispute, but resolution on their part will not, in my opinion, require more than a simple verification that they find their reproting accurate.