Please help. I posted the above thread almost three years ago and I am still dealing with this. I took all the steps suggested above (validation of debt letters sent to Midland and the attorney they sent after me) and never received a response. I filed complaints with the FTC and the AZ attorney general's office (I was living in AZ at the time) and the creditor (Midland) responded to them and the FTC sent me their response. They said that citibank contacted me back in 2005. I never received anything about this debt until 2007 right after I moved to AZ. At the time it was with another collection agency. When I moved to CA last year, I received another letter requesting collection of the debt but it was in Spanish. I retained a lawyer October 2010, sent him a full explanation of what happened along with scanned copies of all my paperwork. I think he's a complete idiot frankly and am very frustrated. Three months ago he called and said the creditor was saying that debt was mine. Well of course they are. That's a big "Duh." Then he sent me an email two weeks ago which had copies of my aunt's statements from 2005 and 2006. He asked me if I recognized any of the charges. In my well documented 4 page explanation I told him I had any contact with the creditor since the late 90's when I closed my account. But what really angered me was the note from their attorney instructing my attorney to call when I was ready to make a settlement. I emailed him back saying I wanted to see the original signed agreement as well as every single statement.
So I need some advice as to what I should do at this point. I pulled my credit report and it is listed as disputed on the fair debt collections act.
Any advice would be greatly appreciated.
*Another item. I have had a paid in full letter from a credit (AdAstra for over a year) but the item is still listed as delinquent by $2 on my credit report. I have faxed copies of the letter to all three credit bureaus, called the creditor, and disputed the item online to no avail. What can I do about that?
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