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  1. 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