Midland Credit Management violation??????
Date: Sat, 06/28/2008 - 13:33
MIDLAND CREDIT MGMT
Address:8875 AERO DR
SAN DIEGO, CA 92123
(888) 403-6206
Account Number:
Original Creditor:HSBC
Address Identification Number:
Status:
NO STATUS.
Date Opened:05/2008
Reported Since:12/2007
Date of Status:12/2007
Last Reported:NA
Type:NA
Terms:1 Months
Monthly Payment:NA
Responsibility:Individual
Credit Limit/Original Amount:NA
High Balance:NA
Recent Balance:NA
Recent Payment:NA
Your Statement:
Account in dispute under Fair Credit Billing Acts.
How the hell can they put this on my credit report? It wasn't there when I sent the DV letter, I never got a response and now it's on there.
Guest, I can't answer your question, but I'm sure if you hang in
Guest, I can't answer your question, but I'm sure if you hang in there, someone will be along who can. Things are often kind of slow on the weekends. Everyone is busy doing other things!
I have several on my report like that. I don't know how to get
I have several on my report like that. I don't know how to get them to stop either. Even when I request validation they don't send it.
If you've sent a DV letter, CMRRR, keep the green card. Then dis
If you've sent a DV letter, CMRRR, keep the green card. Then dispute it with the CRAs. If it's not removed timely, send the CRA a letter demanding removal as unvalidated. Enclose copies of your letter and the little green card.
Looks like Midland violated the fdcpa by continuing collection a
Looks like Midland violated the fdcpa by continuing collection activity (reporting to a consumer reporting agency is considered to be collection activity per FTC) after validation has been requested.
Look at the dates too. It says reported since 12/2007 but opened
Look at the dates too. It says reported since 12/2007 but opened 5/2008. Did they have a time machine?
I could only dispute it online with Experian and wasn't sure which one to pick so I put not my account.
That's nothing, I have two listed by Midland with an opening dat
That's nothing, I have two listed by Midland with an opening date of 1/1/0001
Let me know what you do about your problem and if it works please, I am tired of dealing with these people.
OK, I just diputed it and already got the results back from Expe
OK, I just diputed it and already got the results back from Experian. I never got validation from them in the mail. This is what it shows now:
MIDLAND CREDIT MGMT
Address:8875 AERO DR
SAN DIEGO, CA 92123
(888) 403-6206
Account Number:
Original Creditor:HSBC
Address Identification Number:
Status:Collection account. $1,277 past due as of Jun 2008.
Status Details:
This account is scheduled to continue on record until apr 2012.
This item was verified and updated on Jun 2008.
Date Opened:05/2008
Reported Since:12/2007
Date of Status:12/2007
Last Reported:06/2008
Type:Collection
Terms:1 Months
Monthly Payment:$0
Responsibility:Individual
Credit Limit/Original Amount:$1,117
High Balance:NA
Recent Balance:$1,277
Recent Payment:$0
Account History:Collection as of Jun 2008, Dec 2007
Your Statement:
Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).