Ok gurus i need some help

[Anonymous]

i have been fighting with midland for 6 months over this collection and today they responded again with "if i dont like it take it up with the credit reporting agencies" basically telling me to go f myself in a letter and its not their problem.

I just recieved a copy of my credit report today. I wanted to make sure i got it DIRECTLY from the CRA before continuing. Heres how it reads

MIDLAND FUNDING LLC

placed for collection 3/18/14

responsibilty- individual account

account type- open

loan type - factoring company account

balance-0

date updated 11/06/2015

laste payment made 07/09/2015

original amount- $484

original creditor-WEBBANK

paystaus- account paid in full

date closed-07/09/2015

date paid-07/09/2015

Now my problem is the account still remains open, and it has the account type as a "factoring company account" 

Am i just reading this wrong? Its my understanding that they cannot be a factoring company as they are a collection agency. And second why do they continue to report the account open. This shows it to look like an open collection on my report altho there is a close date.....i need advise please. This last guys letter was down right rude and told me if i dont like it to bad. 

[Anonymous]

And please put the reponse in dummy terms. I really dont feel like googling 50 dollar words, or looking in the lawyers handbook of laws. I need a "dummies for ipad book" just to use the ipad im typing on right now. Lol

[Anonymous]

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@Anonymous wrote:

i have been fighting with midland for 6 months over this collection and today they responded again with "if i dont like it take it up with the credit reporting agencies" basically telling me to go f myself in a letter and its not their problem.

I just recieved a copy of my credit report today. I wanted to make sure i got it DIRECTLY from the CRA before continuing. Heres how it reads

MIDLAND FUNDING LLC

placed for collection 3/18/14

responsibilty- individual account

account type- open

loan type - factoring company account

balance-0

date updated 11/06/2015

laste payment made 07/09/2015

original amount- $484

original creditor-WEBBANK

paystaus- account paid in full

date closed-07/09/2015

date paid-07/09/2015

Now my problem is the account still remains open, and it has the account type as a "factoring company account" 

Am i just reading this wrong? Its my understanding that they cannot be a factoring company as they are a collection agency. And second why do they continue to report the account open. This shows it to look like an open collection on my report altho there is a close date.....i need advise please. This last guys letter was down right rude and told me if i dont like it to bad. 

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"Account type = open" does not mean that the account is considered to still be open - it means that the account was an  "open-ended" account meaning it was basically a revolving type of account.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

i have been fighting with midland for 6 months over this collection and today they responded again with "if i dont like it take it up with the credit reporting agencies" basically telling me to go f myself in a letter and its not their problem.

I just recieved a copy of my credit report today. I wanted to make sure i got it DIRECTLY from the CRA before continuing. Heres how it reads

MIDLAND FUNDING LLC

placed for collection 3/18/14

responsibilty- individual account

account type- open

loan type - factoring company account

balance-0

date updated 11/06/2015

laste payment made 07/09/2015

original amount- $484

original creditor-WEBBANK

paystaus- account paid in full

date closed-07/09/2015

date paid-07/09/2015

Now my problem is the account still remains open, and it has the account type as a "factoring company account" 

Am i just reading this wrong? Its my understanding that they cannot be a factoring company as they are a collection agency. And second why do they continue to report the account open. This shows it to look like an open collection on my report altho there is a close date.....i need advise please. This last guys letter was down right rude and told me if i dont like it to bad. 

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"Account type = open" does not mean that the account is considered to still be open - it means that the account was an  "open-ended" account meaning it was basically a revolving type of account.

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So then they are infact reporting it wrong?

[Anonymous]

I know on my other collections it is written as 

Account type -collection agency

[Anonymous]

The other thing i notice on this midland account is, the fall off date is 1 year after the DOFD with the original creditor, but my other collection has the same fall of date as my DOFD with that creditor. 

So midland will stay on my CRA 1 year after the original account. Actually 1yr 2mo

[Anonymous]

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@Anonymous wrote:

The other thing i notice on this midland account is, the fall off date is 1 year after the DOFD with the original creditor, but my other collection has the same fall of date as my DOFD with that creditor. 

So midland will stay on my CRA 1 year after the original account. Actually 1yr 2mo

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Dispute the DoFD as being incorrect - Midland should be using the OC's DoFD.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The other thing i notice on this midland account is, the fall off date is 1 year after the DOFD with the original creditor, but my other collection has the same fall of date as my DOFD with that creditor. 

So midland will stay on my CRA 1 year after the original account. Actually 1yr 2mo

---

Dispute the DoFD as being incorrect - Midland should be using the OC's DoFD.

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I disputed it 3 times with all CRA's. Came back verified, i then went to the BBB. made a complaint and thats pretty much when he told me if i dont like it to bad. Take it up with the CRA's not them. BBB closed the complaint. 

I called them today and the lady on the end i could barely understand with her tremoring voice as she tried to talk to me. I said this is unexceptable and she put me on hold, came back on the phone and said its reporting correctly and they will do nothing for me. 

Im guessing a complaint with the cfbp is my next step but i want to make sure i have all my i's dotted and T's crossed for a possible removal of the account. 

The last collction is going to be removed so this one ( midland) will clear all the collections off my CR. 

Im guessing this is why my TU is so low? And it was brought up that i had an open collection. Its how all this got started. I knew i had paid everything. The remarks are all that says its been paid. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

The other thing i notice on this midland account is, the fall off date is 1 year after the DOFD with the original creditor, but my other collection has the same fall of date as my DOFD with that creditor. 

So midland will stay on my CRA 1 year after the original account. Actually 1yr 2mo

---

Dispute the DoFD as being incorrect - Midland should be using the OC's DoFD.

---

I disputed it 3 times with all CRA's. Came back verified, i then went to the BBB. made a complaint and thats pretty much when he told me if i dont like it to bad. Take it up with the CRA's not them. BBB closed the complaint. 

I called them today and the lady on the end i could barely understand with her tremoring voice as she tried to talk to me. I said this is unexceptable and she put me on hold, came back on the phone and said its reporting correctly and they will do nothing for me. 

Im guessing a complaint with the cfbp is my next step but i want to make sure i have all my i's dotted and T's crossed for a possible removal of the account. 

The last collction is going to be removed so this one ( midland) will clear all the collections off my CR. 

Im guessing this is why my TU is so low? And it was brought up that i had an open collection. Its how all this got started. I knew i had paid everything. The remarks are all that says its been paid. 

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Send Midland a direct dispute, include copies of your reports showing the reported DoFD on the OC's account. If they fail to correct it, then escalate to CPFB. Send CPFB the same documents showing that Midland is not using the OC's DoFD. If the idiots still can't figure it out, you may have to threaten them with a lawsuit for willful incorrect reporting.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

The other thing i notice on this midland account is, the fall off date is 1 year after the DOFD with the original creditor, but my other collection has the same fall of date as my DOFD with that creditor. 

So midland will stay on my CRA 1 year after the original account. Actually 1yr 2mo

---

Dispute the DoFD as being incorrect - Midland should be using the OC's DoFD.

---

I disputed it 3 times with all CRA's. Came back verified, i then went to the BBB. made a complaint and thats pretty much when he told me if i dont like it to bad. Take it up with the CRA's not them. BBB closed the complaint. 

I called them today and the lady on the end i could barely understand with her tremoring voice as she tried to talk to me. I said this is unexceptable and she put me on hold, came back on the phone and said its reporting correctly and they will do nothing for me. 

Im guessing a complaint with the cfbp is my next step but i want to make sure i have all my i's dotted and T's crossed for a possible removal of the account. 

The last collction is going to be removed so this one ( midland) will clear all the collections off my CR. 

Im guessing this is why my TU is so low? And it was brought up that i had an open collection. Its how all this got started. I knew i had paid everything. The remarks are all that says its been paid. 

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Send Midland a direct dispute, include copies of your reports showing the reported DoFD on the OC's account. If they fail to correct it, then escalate to CPFB. Send CPFB the same documents showing that Midland is not using the OC's DoFD. If the idiots still can't figure it out, you may have to threaten them with a lawsuit for willful incorrect reporting.

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Your raw EQ reports should show the actual DoFD rather than expected drop dates....