Lisa
Conroe,#2Author of original report
Sat, August 26, 2006
Today I called Midland to follow up on the information I faxed them a week ago. I talked to a very nice lady in the consumer affairs dept. I told her that the debt had been deleted from our Transunion credit report but I haven't heard back from the other two yet. And she aksed me to tell her the whole story again so...........once again I repeated the story to her which I have done so many times over and over and over. Anyway, after I explained what took place I asked her what steps do I need to take to prevent them (Midland) from selling the debt to another collection junkie. She told me to call the FTC and request a fraud affidavit and to fill it out and have it notarized and fax it to them and they will delete it with all three credit bureaus. She gave me her word that it would not be sold to any debt collection companies. And she said she would fax me a letter to confirm that once she receives my fax. I hope and pray this is the end of it for good. And I certainly hope that my story helps someone else out in the future. If you want to find the affidavit, go to the FTC web site, click on consumers, scroll down and you will see where to click to download the form. I verbally reported my statment to the FTC, but you can file a claim online with them. The FTC was very helpful! Good luck to those of you that have the same or almost the same issues as me. Just don't give up and check your credit once a year. I learned the hard way..
Tammy
Latta,#3Consumer Comment
Fri, August 25, 2006
that once the account has been disbuted and taken off your credit report, then it can not be put back on there again by another company. I may be wrong. I know I had a repo back in 1994. After 7 years, it was taken off of all 3 credit reports. I do however, still recieve bills from them. So maybe they can sell your account and still try to collect from you. Sorry, I can't answer your question. I'm kindof curious about that now. Anyway, good luck.