j_in_colorado Posted May 6, 2013 Report Share Posted May 6, 2013 There is an open account on my credit report and this is definitely incorrect. How can I remove it? Here is exactly what it says: MIDLAND FUNDING8875 AERO DR STE 200SAN DIEGO, CA 92123 Account Type: Unknown - Credit Extension, Review, Or Collection - Collections -- Non-SpecificAmount Past Due: --Monthly Payment: $0Last Payment Date: --Owner: IndividualOpen Date: Sep 8, 2009Original Balance: $0Term: 1 monthsOriginal Creditor: TRIBUTE MASTERCARDAccount in Dispute YesDo I send the credit bureau a letter now saying that it has been past 30 days and needs to be removed? I don't even remember disputing this so I have no idea when the dispute started. I'm assuming it was disputed a LONG time ago. Link to comment Share on other sites More sharing options...
admin Posted May 7, 2013 Report Share Posted May 7, 2013 Send a Method of Verification letter to the credit bureaus. Stress that this is not your account and you intend to take legal action if it is not removed. If this doesn't work then send a 623 letter to Midland. Link to comment Share on other sites More sharing options...
elite1331 Posted May 7, 2013 Report Share Posted May 7, 2013 Midland has been playing games with me as well in this fashion using incomplete trade lines showing no data listing an unknown account type. When I dispute, they complete the entry... Then 2 weeks later, it reverts back to the same incomplete trade line. Been playing this game since November. Hilarity! The game is dumb when they don't have to play by the rules. I have removed everything but a $30 dental collection where the Dr. refuses to deposit the checks I have sent CMRR and then this Midland one. Link to comment Share on other sites More sharing options...
admin Posted May 7, 2013 Report Share Posted May 7, 2013 I wonder if you can use the fact that they are changing the information on you to become more negative as part of the reinsertion requirement on the part of the credit bureaus. Link to comment Share on other sites More sharing options...
elite1331 Posted May 7, 2013 Report Share Posted May 7, 2013 The next dispute letter will have a method of verification with an intent to sue as well as Midland is clearly attempting to skirt their reporting requirements. I should have plenty of attachments now. The problem with Experian is their minimum wage date entry folks. Half the time they refuse to even process the dispute claiming some required information has not been included. I have bold faced the info before and they still screw it up. Link to comment Share on other sites More sharing options...
admin Posted May 7, 2013 Report Share Posted May 7, 2013 The next dispute letter will have a method of verification with an intent to sue as well as Midland is clearly attempting to skirt their reporting requirements. I should have plenty of attachments now. The problem with Experian is their minimum wage date entry folks. Half the time they refuse to even process the dispute claiming some required information has not been included. I have bold faced the info before and they still screw it up.They also outsource to overseas, so English might be a problem. Link to comment Share on other sites More sharing options...
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