Dear Sir, Back on 8/6/08 I pulled my credit report and discovered Midland Credit Management/MCM were reporting 2 collection accounts on my credit reports. They are so full of errors I'm not sure if either one really exists. Here is how they are being reported. TransUnion Account # 852070**** Original creditor: Orlando Regional Healthcare Balance: $100 Date Updated: 7/2008 Original Balance: $100 Original Creditor: Medi 02 Orlando Regional Healthcare Past Due: >$100< Pay Status: Collection Account Account type: Open Account Responsibility: Individual Accounts Loan Type: Factoring Company Accounts Remarks: Placed for collection Date placed for collection: 10/2006 Estimated date item will be removed: 10/2010 Experian Account # 852070**** Original creditor: Orlando Regional Healthcare Original Creditor: Orlando Reginal Healthcare Status: Collection account $100 past due as of Dec 2007 Status Details: This account is scheduled to continue on record until May 2010 Date opened: 10/2006 Reported Since: 11/2003 Date of Status 11/2003 Last Reported 12/2007 Account History: Collection as of March 2007 to Dec 2007, Dec 2006, Nov 2003 Type: Installment Terms: 1 months Monthly payment: 0 Responsibility: Individual Credit Limit/original: $100 High Balance: NA Recent Balance: $100 as of 12/2007 Recent $0 Equifax Account # 852070**** Original creditor: Orlando Regional Healthcare Date opened: High Credit: $100 Credit Limit: Terms Duration: Terms frequency: Months Revd: 15 Activity description: Creditor classification: Medical Healthcare Date Reported: 8/2008 Balance Amount: $100 Amount past due: $100 Date of last payment: Payment amount: Scheduled payment amount: Date of first Delinquency: 11/2003 Date of last activity: Date Del 1st Rptd: 3/2007 Charge off amt: Date closed: Equifax Account # R852070**** Original creditor: Orlando Regional Healthcare Date opened: High Credit: $100 Credit Limit: Terms Duration: Terms frequency: MONTHLY Months Revd: Activity description: Creditor classification: Date Reported: 12/2006 Balance Amount: $100 Amount past due: $100 Date of last payment: Payment amount: Scheduled payment amount: Date of first Delinquency: 12/2003 Date of last activity: Date Del 1st Rptd: 12/2006 Charge off amt: Date closed: It sure looks to me like accounts #852070**** and R852070**** are the same account with a few dates adjusted slightly and an R added to the account number. On 8/25/08 I requested Debt Validation on these accounts which I have not recieved as of this date. On 9/5/08 I disputed the duplicate accounts with Equifax and the disputes came back verified. Not only this but TransUnion is reporting this as a collection account and Equifax & Experian are reporting it as an installment account. I'm not smart enough to know the difference but I am smart enough to know that the same account should be reported the same way by all 3 agencies and only reported once. I do hope somebody isn't playing games with me. Once again I am requesting Debt Validation or I expect you to immediatly have the trade lines perminatly removed from my credit reports. ------------------------------------------------------------------------- What do you guys think? Think they are playing games or do you think they made typos when they reported these? The other thing that makes me think they are playing games is 3 are reported as Midland Credit Management and one as MCM. It is pretty obvious to me that all 4 of these refer to the same account but how do I make the Credit Reporting Agencies, especially Equifax who is reporting 2 of them see it?
