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I recently sent Midland a DV request they replied with a generic letter Dear Mr. #$@%^ The purpose of this letter is to advise you of the results of our investigation of your dispute pursuant to the Texas Finance Code and/or the FCRA. Please be advised that we have determined that our credit file and credit reporting of the above-referenced account is accurate, and therefore we deny the inaccuracy of the disputed item. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas Finance Code and/or the FCRA. In response to your dispute, we have requested that the three major credit bureaus change the status of this account to "Disputed." Your credit report will not be updated if the federal reporting period has expired. They then attached a print our of a debt owed to T-Mobile with dates and the full amount owed and how that was processed. The amount is for $826.92 but on two of my credit reports one says $827 and the other $826. Also this print out doesn't show the OC address and there is no contract proving that the debt is mine. Should I sent back another letter telling them to remove it? Or should I 623 them?