pr4213 1 Report post Posted September 18, 2013 Today I got back the results from my latest dispute from equifax: We have researched the credit account. Account # - XXXXXX* The results are: This item has been deletedfrom the credit file. If you have additional questions about this item please contact: Midland Credit MGMT Inc, 8875Aero Dr Ste 200, San Diego, CA 92123-2255 Phone: (800) 825-8131 YES! But NO! I look below at the complete updated report, and see that the same account # is now again in my report with "Item As Of Date Reported" = today, same date as the results. Except now it is being reported under "Midland Funding LLC". By the way, the account is paid in full, $0 balance. I still have another TL with Midland, are they just trying to strongarm me into calling them or paying the other account? Is this legal what they have done? I do keep copies of every report I pull direct from all 3 CRAs and copies of every dispute results. Share this post Link to post Share on other sites
admin 885 Report post Posted September 19, 2013 @ - I'd send them a strongly worded letter telling them they reinserted the account without notifying you in writing and this is a violation of the FCRA. Just see what they say. Share this post Link to post Share on other sites
pr4213 1 Report post Posted September 21, 2013 Will do. I think I'll write it like "oops, looks like you made an accident" (obviously in a more professional way). That way it should set me up well, in the likely case that they'll ignore it, for me to send a stronger ITS letter since I'll have made a good-willed effort to resolve the FCRA violation. I'll update as things happen. Share this post Link to post Share on other sites
S. Louis Blisko 29 Report post Posted September 23, 2013 What caused the deletion in the first place? DV ? Call ? If DV and they didn't comply you may have some leverage to force a removal. Share this post Link to post Share on other sites
pr4213 1 Report post Posted September 24, 2013 I've been disputing my midland accounts every so often directly with the CRAs. The equifax results didn't say why they deleted, just that it was deleted. Once I had another TL (from a different creditor) on TU come back as "suppressed pending response from furnisher", which stayed like that for 3 months until the creditor verified, so I don't think the deletion was due to lack of response from Midland to Equifax. Share this post Link to post Share on other sites
