Midland Credit Management

But what if you never received anything from them? And never recieved a phone call? Honestly! Can they "prove" they contacted you? What if you just recently checked your credit and see something that has been there for years? So they are not required to validate???

I just got a statement from midland credit management...sent initially to my family's home address, where I haven't lived in seven and a half years...to someone whose first name is the same as my middle name, but their middle initial does not correspond with my first name...claiming to be collecting a debt for a bank where I have NEVER had an account. Personally, I'm thinking it's time to call BBB and put them on the trail...

BBB can maybe do a little. While you're at it, file a report on ripoffreport.com. Then go to the FTC and the Attorneys General of your state and theirs. File complaints with all three of those for sure, because that's the end with the teeth.

Can the CA even prove they made contact, saying they called and spoke to someone or sending a mail regular mail is not proof they made contact. Just as easily you can say you disputed it and they can say you didn't. Whether dealing with a CA or the Big three bureaus send everything so it can be proved that they received something. You need to dispute the account with the credit bureaus and ask them for proof of verification including how they verified it. CA's also like to reage debt when you are in contact with them. Never deal with a CA directly they ignore the laws and try to use there power to get you to pay, whether legal or not.

you no if there is no contact about the debt there is no validation. not nessacarily saying you are ignoring the debt, but sometimes honestly not knowing until you get a credit report, like me. i have a medical debt from midland that no one at midland can verify saying they don't deal with medical accounts. knowing full well myself i have no medical debt i'm fighting their ass%%. just as mentioned before ca's buy and sell bs accounts to see if they can find dumb people to not admit the debt belongs to them and that's how they sucker people into the 30 day deal. because they have that contact, once they do correspnode with you either via mail of phone, ignorance of not knowing how to go about validating their debt, will get that guilty verdict from the jury(the courts).

Your right, ignorance is their ally. Advocates are the consumer's ally... That would be this website and a few others like it.

One should never verify thet the person anyone is asking for is there or speaking on the phone unless you know who has called you. i.e., a friend, co-worker, etc. If you continue to do this they stop calling, if it's someone you know, they'll call back. Never engage in conversation with a collection agency. Let them put it in writing. If it's valid, make them work for it.