Subscribing... If anyone figures this out I wanna know too! Sorry to tag on to your post. But I feel hopeless with the Tmobile account they claim I owe over 1000 dollars as well!! 
MCM is a stone cold bully. They will do what ever is necessary to separate you from your money. They ve lately been sued by several states for robosigning affidavits.
THe plus side is that they break the law left and right. It took me 12 times disputing them on experian but today they finally did it. My issue was about a t mobile phone as well. My sister in law purchased their services with my id in 2007. Did you say that you can pay the original creditor? Just not mcm s jacked up fees? If so then they d have to take it back from the collectors account. If not, are you still within the 30 day period from mcm? If so you can send them a dv letter. Just remember be strong, talk to them from a position of strength or they will walk all over you. I know i sound extreme but, mcm is the devil
good luck
Subscribing as well.....Dealing with them as well, but have a few pokers in the fire....I also refuse to pay their absorborant "fees"......
Starting Score: 7/12 545 EX (PSECU)AAHhhhhhh I think I see what happened. The original owner of the debt got bought out, so t mobile found itself in ownership of debts, and so sold them for pennies on the dollar to mcm. First things first, did they send you a dunning letter? This is the first communication that states the basics, amount, creditor, right to dispute, etc etc? If they didn't send you a dunning letter, then the clock is still ticking. The thirty day period begins with the first letter. If you are able to send them a timely debt validation letter, then they must validate the account, they cannot post negative information or report to the CRA s. THey ll do it anyway of course, that's usually where the violations begin. MCM HATEs to return paperwork. BUt what really matters is where you want to go from here, what your goals are. Ultimately of course to buy a house, and to do that you must step into the ring with a company that has no respect for the law. Wait a second, it jut hit me. The original creditor is saying you don't owe them any money, that there is no such account or they re saying there is no account with them because they sold it to mcm? It may sound like semantics,, but its a critical detail. Regardless, the key to dealing with mcm is dealing with them from a position of leverage. I prefer the aggressive method to dealing with them, examine your records, if you can find multiple violations and document them. THis gives you the opportunity to write to them and say hey, " are you feeling lucky punk, well are you?"
Odds are they blow you off, they wont blow off a summons
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