Complaint Review: Midland Credit Management - San Diego California

Maybe contact a local attorney next year. The debt should come off the report next year sometime, so until you have suffered "damages" it will be hard to convince a court that they are intentionally breaking the law. Because it can still be on the report right now. Granted the aging is wrong, but at this point, it can still be there.

They hope you do not know it Its re-aging and its against the law. GO to www.ftc.gov and learn your rights and how to fight them also go to www.budhibbs.com for more information on Midland Credit

First...stay off the phone with these jerks....communicate only in writing There is only one 7-year reporting cycle for credit reports...This cannot be restarted under any circumstances. Changing the dates is called "re-aging" and it's against the Fair Credit Reporting Act. It does not matter if this debt goes through a million debt collectors...there is only ONE 7-year cycle for reporting items on your credit files. Send the credit bureaus a letter via Certified Mail + Return Receipt stating: Per the Fair Credit Reporting Act, I am requesting validation that this item is being reporting within the 7-year time frame as allowed under the Fair Credit Reporting Act. I am requesting: - written validation of the original "date of delinquency" - written validation of the original "date of last activity" ---------------------------------------------------------- Send the Midland Credit Management a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting: - written validation of this alleged debt - written validation of the original "date of delinquency" - written validation of the original "date of last activity" - validation that this alleged debt is within the statute of limitations.

First...stay off the phone with these jerks....communicate only in writing There is only one 7-year reporting cycle for credit reports...This cannot be restarted under any circumstances. Changing the dates is called "re-aging" and it's against the Fair Credit Reporting Act. It does not matter if this debt goes through a million debt collectors...there is only ONE 7-year cycle for reporting items on your credit files. Send the credit bureaus a letter via Certified Mail + Return Receipt stating: Per the Fair Credit Reporting Act, I am requesting validation that this item is being reporting within the 7-year time frame as allowed under the Fair Credit Reporting Act. I am requesting: - written validation of the original "date of delinquency" - written validation of the original "date of last activity" ---------------------------------------------------------- Send the Midland Credit Management a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting: - written validation of this alleged debt - written validation of the original "date of delinquency" - written validation of the original "date of last activity" - validation that this alleged debt is within the statute of limitations.

First...stay off the phone with these jerks....communicate only in writing There is only one 7-year reporting cycle for credit reports...This cannot be restarted under any circumstances. Changing the dates is called "re-aging" and it's against the Fair Credit Reporting Act. It does not matter if this debt goes through a million debt collectors...there is only ONE 7-year cycle for reporting items on your credit files. Send the credit bureaus a letter via Certified Mail + Return Receipt stating: Per the Fair Credit Reporting Act, I am requesting validation that this item is being reporting within the 7-year time frame as allowed under the Fair Credit Reporting Act. I am requesting: - written validation of the original "date of delinquency" - written validation of the original "date of last activity" ---------------------------------------------------------- Send the Midland Credit Management a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting: - written validation of this alleged debt - written validation of the original "date of delinquency" - written validation of the original "date of last activity" - validation that this alleged debt is within the statute of limitations.

First...stay off the phone with these jerks....communicate only in writing There is only one 7-year reporting cycle for credit reports...This cannot be restarted under any circumstances. Changing the dates is called "re-aging" and it's against the Fair Credit Reporting Act. It does not matter if this debt goes through a million debt collectors...there is only ONE 7-year cycle for reporting items on your credit files. Send the credit bureaus a letter via Certified Mail + Return Receipt stating: Per the Fair Credit Reporting Act, I am requesting validation that this item is being reporting within the 7-year time frame as allowed under the Fair Credit Reporting Act. I am requesting: - written validation of the original "date of delinquency" - written validation of the original "date of last activity" ---------------------------------------------------------- Send the Midland Credit Management a letter via Certified Mail + Return Receipt stating: Per the Fair Debt Collection Practices Act, I am requesting: - written validation of this alleged debt - written validation of the original "date of delinquency" - written validation of the original "date of last activity" - validation that this alleged debt is within the statute of limitations.