Midland Funding....Again :(

[Anonymous]

Hello everyone!

I just have a couple questions about my credit report.

Midland Funding is reporting a Past Due amount, 120+ days late (Mar & Apr 2016) even tho the OC sold this in 2015, 1 month account and a Factoring Company Account.

Are there any violations here?

Also how hard is it to remove a Credit One charge off account from my report? 

Thank You guys!!

[RonM21]

Welcome to the forums!

I honestly do not know if I see a violation there.

The success rate in getting any negative item deleted can vary. Who it is you are dealing with plays a major factor. If there isn't any debt owed, and it is simply a negative that is reporting, you can try to send a goodwill letter for deletion to them.

[Anonymous]

Glad to be here for the help!!

I hope there is a violation especially with the past due amount. I dont feel like paying Midland Scums

The charged off account is showing $0 balance, it was sold to Midland.. I put multiple letters in the mail today and also sent emails! wish me luck! I will update when I get a response.

[RobertEG]

Did they make an unpdated reporting that included the fact that the OC account was delinquent at that level, or did they actually report that you had a new delinquency with them (ii.e., Midland) for lack of timely payment to them?

Credit reports commonly show delinquencies that were reported on the OC account under the collection heading, incorrecty implying that the debt collector reported a new delinquency with them.

[Anonymous]

This is what it shows, they show on all 3 bureaus even tho it doesn't show it here.

CREDIT ONE BANK 

  Equifax TransUnion Experian

Account Type: 

Revolving    Revolving 

Account Number: 

Payment Responsibility: 

Individual     Individual 

Date Opened: 

11/2013     11/2013 

Balance Date: 

06/2016     05/2015 

Balance Amount: 

$0       

Monthly Payment: 

High/Limit: 

$300     $300 

Account Status: 

Collection     Collection 

Past Due Amount: 

$0     $0  

Comments: 

LAST REPORTED DELINQUENCIES: 10/2014=R3,09/2014=R2,06/2014=R2 CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD      CONSUMER STATEMENT: ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION DISPUTE RESOLVED CLOSED LAST REPORTED DELINQUENCIES: 04/2015=R9 CHARGE OFF LAST PAID: 10/2014     Hide Details

CREDIT ONE BANK

PO Box 98873
Las Vegas, NV-891938873
(877) 825-3242

24-Month Payment History Equifax * * * * * * * * * * * * * * * * * * * 60 30 * * May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14 Experian CO CO 120 120 90 60 30 30 * NR * * * * * * * * NR NR NR NR NR NR May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun 15 15 15 15 15 14 14 14 14 14 14 14 14 14 14 14 14 13 13 13 13 13 13 13

Payment History Key

Seven-Year Payment History   Equifax TransUnion Experian 30 Days Past Due: 0    0  60 Days Past Due: 0    0  90 Days Past Due: 0    0 

MIDLAND CREDIT MGMT INC    Equifax TransUnion Experian

Account Type: 

Open     

Account Number: 

Payment Responsibility: 

Individual       

Date Opened: 

04/2015       

Balance Date: 

06/2016       

Balance Amount: 

$587       

Monthly Payment: 

$0       

High/Limit: 

$587       

Account Status: 

Collection       

Past Due Amount: 

$587      

Comments: 

LAST REPORTED DELINQUENCIES: 04/2016=O5,03/2016=O5 CONSUMER DISPUTES THIS ACCOUNT INFORMATION COLLECTION ACCOUNT           Hide Details

MIDLAND CREDIT MGMT INC

8875 Aero Dr Ste 200
San Diego, CA-921232255
(844) 236-1959

24-Month Payment History Equifax * 120 120 * * * * * * * * * * * NR NR NR NR NR NR NR NR NR May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun 16 16 16 16 16 15 15 15 15 15 15 15 15 15 15 15 15 14 14 14 14 14 14 14

[Anonymous]

Bump

[RobertEG]

Can you reformat the showing of your payment history to clearly show the mon/yr of each derog?  It is a bit confusing as shown.

Additonally, payment history is reported by the creditor, not the debt collector.

The critical issue seems to be any showing of reported delinquencies after sale of the debt.

You are correct in that the creditor cannot report additional derogs with dates of occurence after they no longer own the debt......

[Anonymous]

What I see that is confusing is the consumer statement:
CONSUMER STATEMENT: ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION

Did you pay the account in full or just partial to the Original Creditor? If PIF, and you have proof of PIF, I would say Midland is in the wrong.

Credit One Reports a Limit: 300 High Bal: 300.

Midland is reporting almost twice that. (I know over limit charges, late fees, interest etc) But wouldn't CreditOne show a higher High Bal if that is the case?

[Anonymous]

I did not pay the creditor, it was a charge off with a max balance of $300, and yes that's what I'm wondering...how would I go about finding out why it's double? I have letters and emails out to both with responses back that they are reviewing! 

[Anonymous]

Let us know how this goes. My midland accounts are being reported as late every month as well and I never have agreed to pay them anything. They are showing as active accounts as they are the original creditor. I'm just unsure how to go about fighting them. I have asked multiple people through PM's and have yet to get a reply of how they specifically were able to get them removed. Hopefully they will check their messages and send me a reply back. Good luck!