Jump to content

Proper Validation from Midland

Recommended Posts

This was a letter sent to me after I intiated a DV.


Midland account number 222222

Dear "My Name",

The above referenced SBC-AMERITECH account was transferred to Midland Funding NCC-2 Corp. Midland Credit Management Inc, is the SERVICER on the behalf of Midland Funding NCC-2 Corp.

Our records indicate "My Name" with social security number 1234 is the responsible party on this account. The account was charged off on 03-13-2002. The account was opened on 06-01-2001. The account remains unpaid with a current balance of 111.11.


Consumer Relations

Is this proper validation? If not should I respond asking for a written contract, or just continue the DV Flowchart as if I have received nothing?

Also the amount listed on the letter differs from all of my 3 credit reports. Is this mistake enough to dispute and get the listing removed completely? Any advice would be greatly appreciated!!!!

Link to comment
Share on other sites

Doesn't sound like they obtained validation from the ORIGINAL creditor, does it? And yet they represented it as validation.

You could always send the old TowerRat letter (which makes me crack up):

Ladies and Gentlemen:

Congratulations on your extraordinary business acumen! You have provided me with prima facie evidence of violation of the Fair Debt Collection Practices Act.

Specifically, you were required by law to obtain validation from the original creditor and forward it to me, which you clearly did not do.

Although these are not the only violations, I offer you the chance to settle this matter prior to litigation. Should I receive a certified check or cashier's check in the amount of $3500 and your tradelines are deleted from any and all of my credit reports within the next fifteen (15) days, I will consider the matter closed. If not, I will pursue legal and adminstrative remedies. I will be seeking $500,000 in exemplary/punitive damages, in addition to statutory damages.

Please take note that you are responsible for my attorney's fees. I accept no blame for fines, penalties or other sanctions levied by the Federal Trade Commission or state Attorneys General.

ETA: Midland should know better. It's not like the FTC hasn't ruled against them before on this.

Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.