About 3 years ago (2005)I had a paid chrge off with MIDLAND CREDIT and all of the sudden the account comes up 120 days late (code 4) ,1/2008. How is this possible? This really has tanked my score. I just sent my letter to Equifax but I need this off as it is a lie. Also they have a notation of collection a month or so before the 120 day listing. This is obviously illegal and I need to know where go with this should Equifax validate that as correct. I sent my official report detailing the obvious incorrect info but I want to be prepared should they say it is valid. ANY IDEAS WOULD BE APPRECIATED Also anyone know how to check if they were licensed in Nevada. I checked the attorney generals website and didn't see MCM on the list of approved CA's
MCM is licensed in NV https://esos.state.nv.us/SOSService...ails.aspx?lx8nvq=CjKF3S92J8Jaa3r7oq5kqQ%3d%3d Dispute the tradeline with the credit report and if it comes back verified, assuming you have proof it was paid, file suit against them for FCRA/FDCPA violations.
If you want to be in federal court, you must file in federal court. If you file in state court, you're in state court.
Should I sue Equifax and MCM or just equifax? Also where this all happened was in Las Vegas but now I live in PA. I can still file in PA right. All of the help and wisdom is appreciated from this site. Thanx
So I got another letter from equifax verifying the above mistakes. I even highlighted and explained what was wrong. So now I should send a verification process request and then file, correct? Should I sue Midland or Equifax? Thanks
If you sent the 30 day now send the 15 day only send it strongly worded define your right's upto and including the right to use legal action,
Send a letter that they did not verify 100%so they must delete also ask for statements payment history etc.you should go to to them and demand delete ao you will use all legal resources available up to and inclulding legal measure's to correct this.
Be careful making threats unless you fully intend to carry them out. I'd do the procedures request first. See what they come back with, then you can go to the person at Midland and see what they sent.
Right it is a last resort if everything else fail's.then you have to decide how far you want to pursue this.
Yeah I tried talking to Midland but I have to tell you guys I wouldn't recommend that to my worst enemy. Basically transferred several time to be talked to disrespectfully by another operator. I am going to sue if it is not corrected it is not a threat but I just want it removed. SO basically wait for the procedures request to come back from equifax and then call which position or person at Midland, the compliance officer?
Have you gone to Midland's executive offices or called the general counsel? You obviously won't get anywhere with the phone drones.
When they talk to me in a manner that's not professional i have to call it to their attention,show me the same respect that i'm showing you if they don't then it's time to call the general manager,and complaint.
Yes i have i've called them all.And believe me when i don't get respect after i ask for it then i end our talk,if they call back i just ask the same thing.our i let the answering machine answer for me
I would heed your advice if I owed money but this is a debt I paid more than 3 years ago. I sent a procedures request to Equifax today CMRRR. Any other move I should make in the meantime?
