• Report: #269147

Complaint Review: Midland Credit Management - MCM - Midland Funding - Encore Capital Group

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  • Submitted: Tuesday, August 21, 2007
  • Last Posting: Tuesday, August 21, 2007
  • Reported By: — Orange County California
Midland Credit Management - MCM - Midland Funding - Encore Capital Group
8875 Aero Drive Suite 200 San Diego California 92123 U.S.A.

Midland Credit Management - MCM - Midland Funding - Subsidiary Of Encore Capital Group Company sent me collection letter for a debt I do not owe ripoff San Diego California


1Author 1Consumer 0Employee/Owner

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MCM send me a letter entitled 'Settlement Opportunity'. This debt collections company claims I owe them $1514.71 for a CITIBANK USA debt. I don't owe this debt.

The only time in my life I have ever had credit problems was right out of college. That was 24 years ago. Since then, I have perfect credit and always pay all my bills on time.

I double-checked my 3 credit reports (free at annualcreditreport, by the way) to make sure there are no errors. There ARE no errors - my credit reports are all flawless. I saw that Midland Credit Managment did a credit inquiry on TransUnion - they saw I didn't owe this debt and apparently decided to try to collect anyway!

I will write to them to tell them I don't owe this money.

Zoey
Orange County, California
U.S.A.

This report was posted on Ripoff Report on 8/21/2007 12:32:24 PM and is a permanent record located here: http://www.ripoffreport.com/collection-agency-s/midland-credit-manag/midland-credit-management-mc-5b957.htm.

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1Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

re:

AUTHOR: John - Louisville (U.S.A.)

SUBMITTED: Tuesday, August 21, 2007

Don't bother with writing a long letter....simply request a "debt validation" per your rights under the Fair Debt Collection Act.

Send this letter via Registered Mail with Return Receipt...enclose a photocopy of what they sent you with a simple note stating:

I do not recognize this debt and I am requesting validation per the Fair Debt Collection Act. They must validate the debt per federal law.

Also, you might want to check your credit reports again in a month or so...this firm is notorious for causing damage to credit files.
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