Hi everyone. I received a letter from Midland Credit Management saying that they are taking legal actions on a credit card originally owned by Credit One Bank, N.A. and was purchased by Midland Funding PLC. The amount they say that is owed is $615.45. Midland states that I applied for credit with Credit One Bank back in August of 2016. I only learned about this account this year when I received that letter and requested for my free credit reports from the 3 credit reporting agencies. I never applied for any credit in 2016 and I wrote to Midland Credit Management for variable proof that this account was indeed mine. They sent me a billing statement with my printed name and address as variable proof but nothing with my signature. I did have credit with Citibank but I closed that account in July of 2017 for fraudulent charges being made and on my credit report I got this year it showed that I have had addresses in Florida and also Michigan. I have written to all three credit reporting agencies about that and they still have not corrected the information or checked the Credit One Bank for actual proof that this credit card was mine and that I was a victim of identity fraud. I have written to all three credit reporting agencies, Credit One and Midland Credit Management to correct the problem but Credit One Bank and Midland Credit Management keeps appearing on all three credit reports. My credit reports do not show that I have an ongoing dispute with Credit One Bank or Midland Credit Management. I live in Hawaii and I know that Midland Credit Management uses a lawyer from Honolulu but I did not get the letter saying that he will be taking legal action against me but I got the letter from Midland Credit Management located in San Diego, .CA. I want to take Midland Credit Management to small claims courts here in Hawaii for several violations of the FCRA and failure to send me variable proof that this account was ever mine and for some other violations such as willful enablement of identity fraud and for emotional stress since this has lowered my credit score so that I have been unable to use my VA home loan guarantee to purchase a home with no money down and with low interest rates. I found out by looking up on Hawaii Secretary of State that Midland Credit Management has an agent in Honolulu in the name of (CBC Services of Hawaii, Inc). Should I send them the small claims notice with both Midland Credit Management and Midland Funding LLC as the defendants. It seems to me that Midland Credit Management will not do anything to correct this problem and I also believe that they know that this debt is not mine at all and are unwilling to correct this problem. I have kept all letters that I have mailed via verified mail, signature required, all copies of letters sent to me saying that this account has been verified by a billing statement and all copies of my credit reports that I have been getting each month now. I know that Midland uses a Lawer from Honolulu and his name is Marvin Dang. Since he did not send me the letter saying that Midland will be taking me to court, I do not think I should send any legal documents to him. I rather file a small claims case here on the Island that I live on and have Midland spend money to fly this lawyer from Honolulu to my Island and have Midland spend more money on trying to collect $650 from a debt that was never mine to begin with and hopefully my credit report will improve so that I can purchase a home soon but so far have lost out on 4 homes due to a low credit score that has effectively hurt my chances of using my VAhome loan guarantee with no money down. My credit score right now is between 600 and 620 and I need 720 if I want to use the VA home loan no money down. Am I going at this the right way or should I be doing something different. I am tired of writing letters every 30 days only to get the same results.