Need serious quick help!

Can the bank provide any contact information to you for getting in touch with Midland Credit? You need to validate the debt to make sure it is yours. It's not uncommon for a data entry worker to input the wrong digit in a social security number and have it end up on the wrong report. Validate the debt before you consider paying it off.

Welcome to the Community :D Have you checked all three of your credit reports? You can also dispute the items if you don't think they are valid. Send a debt validation letter, there are samples you can google to the side of your screen, certified, return receipt. They will validate, hopefully, and then you can see if this was an error. They may be a junk debt buyer who has bought a charged off account also. Good Luck-keep us posted

By the way- here is a link on midland credit management I found, it apperas they are a collection agency at http://www.debtconsolidationcare.com/collection-agencies/mcm-issues.html if you read all the posts, it also gives an address..Karen