Illegal Debt Collection

ComplaintsCollection AgenciesMIDLAND CREDIT MANAGEMENT (MCM )

Complaint

0
Thomas Jones
Country: United States
Midland is trying to collect an account that is not mine and is over 7 years old. The account number is 8530022159 They cannot verify this account because it is an illegal attempt to collect a debt. They have not verified the account, but persevere in reporting false information on my credit report.

Comments

  • 0
    tj
    Dispute the erroneous information they are reporting, by filing a written dispute with the credit reporting agencies showing it.  Mail your dispute certified for proof of when they got it.

    The CRAs will ask Midland to verify, correct, or remove it.  If they fail to correct their error, you can sue them for violating FCRA.  Reaging an old account to illegally keep it reported on credit reports past the 7.5 year FCRA reporting limit is also a violation, and may also violate FDCPA.

    Since FCRA allows courts to award actual damages and attorney fees, keep track of any changes of credit terms, or if you are rejected for credit due to this error.  

    Find an attorney to take this type of case on contingency, since FCRA allows courts to award your attorney fees on top of damages.  You might try www.naca.net

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