Sorry I just saw this.. 1. Who are you suing? Midland Credit 2. How old is the debt? the last payment posted was in 2/2010 3. If the person harrassing you about the debt is a collection agency, Is the debt being reported on your credit report? The debt is being reported on my credit report. 4. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) This means you wrote or called Experian, Equifax and TransUnion. Yes I have disputed all 3 multiple times. I am getting a previously verified from all parties. 5. Has the collection agency sent you a letter, called you on the phone? How did you learn about the collection? I first found out when I saw them on my credit report. They also called me on the phone and told me if paid they would remove but didn't. 6. What state are you in? I'm in NC 7. What kind of debt is this? (credit car, auto loan, student loan) Phone bill. 8. What kind of violations do you THINK the collection agency has committed? What section of the FDCPA do you think has been violated... stating the terms are "1 month", falsely identifying the account as a "factoring account", falsely labeling the account as an "open" account, providing conflicting and false "date opened" information and providing false "account status".