Midland Funding has been contacting me now for about 6 months to pay an outstanding debt. They call about once a month. The past 3 months I have asked them to VALIDATE that this debt or remove it from my credit report. Today the lady told me that they sent me the validation in 2012 and they only send that out 1 time (I guess that is when they bought the debt). She can send me a CONFIRMATION (which is just a paper that says pay them). I told her I never received the validation but she informed me they would not send that again.. even though I have never received. Next steps? MIDLAND CREDIT MGMT INC 8875 Aero Dr Ste 200 San Diego, CA-921232255 (844) 236-1959 Account Number: 855186XXXX Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $828 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 06/21/2012 Balance: $828 Date Reported: 06/24/2014 Amount Past Due: $828 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 08/2012 Months Reviewed: 17 Creditor Classification: Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 04/2010 Comments: Collection account
Validation is specific evidence, that (a) the debt is yours, and (b) that the amount of the debt is 100% complete, accurate, and doesn't contain any fees not allowed by the contract or state law. Now, since they need to obtain the validation from the original creditor, and there may be a cost associated with that, I can see why they would say that they only want to obtain validation once. Here's the rub, if they actually provided it, why didn't they make a copy of it? Are you talking to them on the phone? (Rule #1: DON'T) Send them a letter via CMRRR or Fax, demanding validation.
