Midland/Worried About Re-Aging Debts/BBB Complaint

Midland Credit Management has been contacting me off and on for ages about a Discover account from the mid-90s. It's well past SOL and no longer appears on my credit reports (at least Equifax and Experian; TU won't let me access online for some reason). Generally, I don't talk to them and just pitch the letters. The past two weeks, however, they've managed to catch me on the phone. When this happens, I tell them I don't have a Discover account and don't know what they're talking about. Except now they have a NEW story and that's that a $20 payment was made from a bank account in June of 2002.

Bullsh*t. -- Unfortunately I no longer have that account and don't have my old statements to back up the fact that I know I NEVER made a payment.

I became freaked that they would re-age this one. I made it clear during both calls that I did not believe this debt to be mine, certainly NEVER made a payment and was monitoring my reports -- and would take legal action if this magically showed up on them.

Then I filed a complaint with the BBB because I was "concerned about potentially damaging information being wrongly submitted to the CRAs." -- Though I'm not sure I have any sort of actual act-on-able complaint, I wanted MCM to know I wasn't screwing around.

Though today I received the form thru the BBB to consent to MCM management to release my "confidential account information." I've read a bunch of posts on other sites and still am not sure about signing this form. Advice, please!

I do have a cease communication/SOL letter ready to go out today (as well as a version for Portfolio Recovery Associates who crawled out of the woodwork yesterday to call me on my cell phone about another mid-90s credit card he said wasn't on my CR because it was SOL after I gave the spiel about "I have no idea what you're talking about/I just reviewed my reports this week." ... "But you still owe the money," he said)...

I'm not even sure what I'm asking you folks anymore (I'm angry all over again) except: should I sign/initial the consent form for the BBB? Do I have to worry about these two past SOL suddenly materializing on my CRs, that I have carefully nursed back to some semblance of health?

Thanks!