jmemn

Midland Credit Management "Pre-Legal Notification" Letter

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I successfully removed a debt collector from both my credit reports due to identity theft/fraudulent amount.

The Midland Credit Management says I owe $7,795.52 in a pre-legal letter that says to pay by 3/20/21 or attorney review and a lawsuit will be their next step.

I think I sent them a debt verification letter years ago and that's how I got it removed from my credit report at both Bureaus, but I can no longer find a copy of it. My computer went  bad.

They say that the original creditor is Synchrony Bank for "PayPal Credit" not a credit card.

It says is was charged off 3/19/2019 and last paid in 7/26/2018.

Again, this is not a debit that is on my credit report because it's removed from both bureaus. 

What do I do now? I don't want to be sued for a debt that literally I already successfully refuted with both bureaus and got off my record.

 

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I checked and this still isn't on my credit report. I just sent them a debit validation letter and further reminded them that I already disputed this debt successfully and it was removed from both credit bureaus. I also reported in my letter that I am demanding arbitration if they continue to try to collect this debt.

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I also filed both an FTC complaint and a complaint with the CFPB against their company. I also just filed a complaint with the attorney general for my state.

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Wondering if you have an update on this situation.

I have the *exact* same situation on my hands currently.  Midland showed up on all 3 bureau reports a little over a year ago.  I disputed and all 3 were removed.  I was sent a nasty-gram from Midland saying they removed the accounts from my reports along with a photocopy of an old paypal credit statement that had my name but incorrect address info on it.  I hadn't heard from them in quite awhile but this week got the UPS "pre-legal" status letter.  Plan to respond with a request for verification, just was wondering if you resolved this situation. 

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