I received a letter today from Atlantic Credit & Finance Inc, informing me Midland Funding, LLC is considering forwarding this account to a attorney in my state (Florida - St. Lucie County).
The letter states:
Original Creditor: SYNCHRONY BANK AMAZON
Current Owner: Midland Funding LLC
Current Servicer: Atlantic Credit & Financing, Inc.
Balance: $4,350.23
Date of Default: 11/15/2017
Last Paid Date: 05/08/2018 (This is not correct as I have not made a single payment since defaulting)
I wish to send them a debt validation letter as from wha