HELP PDL on Credit Report

I would send the CR & Midland Financial a copy of the NY laws prohibting payday lenders in the state of NY. And dispute the entry again. If they still refuse to remove it, you have grounds for a lawsuit.

Thanks. I did dispute it again today with Experian. I'll send them a copy of the laws too.

I contacted Experian this morning. I cannot believe how easy it is for people to put stuff on your credit and when you dispute it how easy it is for them to leave it on!!!! Experian told me that they wrote this company a letter telling them that I disputed the entry and that I did not request services from them. They wrote back and said yes she did and that is that. Experian will not take it off my credit report and says that I only the creditor can. I cannot believe this. I have requested validation, and I told Experian this, but the company will not provide it to me. I also told them that PDL's were illegal in my state so I didn't understand how they could put an item on my CR. She said they had to be legal or they would not be able to put it on my CR. Now I'm just confused and mad. I'm going to launch another complaint with the AG, FTC and BBB. If anyone has any info or suggestions, I'd love to hear them. I have 7 different telephone numbers for this company, a fax number and 2 addresses. I am going to bombard them with verification letters, its the only thing I can think of doing.