Midland ?

[CastelF]

I recieved a dunning letter from Midland 8 month ago about a BOA debt. I DV them several time and never heard anything. they showed up on my Experian and transunion report. I disputed it with both and finally got it removed. I received a letter today from them with copies of BOA statements with an address I never resided at in another state I never lived in. Just wanted to see how to priceed, should I just let it go? Thanks in advance.

[Debt Guy]

Ignoring the address discrepancy, is the account yours?

If not, it is fraud. In that case, you should file a police report and complete the FTC fraud affidavit. Send copies to Midland and advise them the account is fraud.

If the account is yours, well I cannot explain the address issue. Have you spoken to the OC? What SSAN does the OC have? Is your name common enough that someone else could have the same name but live in that faraway place?

You'll have to do some digging on this.

[CastelF]

Can I just send a letter to Midland and tell them the info. is not correct and put the onus on them to figure it out.

[Debt Guy]

Your response leads me to believe you know the account is yours and not a fraud.

You can send whatever letter you want but I really doubt that Midland is going to accept the "onus". Until you tell them differently, they do not know that anything is wrong. If you say "not mine" they are going to insist on a fraud affidavit/police report.

Your dispute has to make some sort of sense in order for anyone to take it seriously.

If you write and say "I never lived at that address" but do not disavow the account, I don't know what they would do. Not much is my guess.

But, if you want to write, go ahead. The rule of thumb is to always describe what is wrong so that it can be understood and then state what action you want taken.