MIDLAND CREDIT MANAGEMENT, INC a collection notice in my maiden name which I have had since 2003 on an account that I don't even validate LOS ANGELES California

OMG!!! I can not believe what I received!! Never thought that I would be a victim of fraudelent activity because I monitor my Equifax credit file with alerts up until 2/2008. Ok, so I filed my tax return 2007 on 4/15/08. I received a collection letter dated 4/10/08 today 4/16/08.

It started off with big bold letters,

SPECIAL TAX SEASON OFFER!

Dear "ME", How are you going to spend your tax return or tax rebate this year? Tax refunds and rebates are a great opportunity to pay down current account balances and get on the path to improved credit. Plus, you can stop the calls and feel a sense of relief by paying this debt today! This tax season we've put together these offers for you. Option 1: 40% off payment due date: 5/10/08 You pay only $1,553.68 Option 2: 25% off first payment due date 5/10/08 you pay only $485.52. If these options don't work for you, call one of our Account Mangers to help you set up a payment that does.

Sincerely,
Midland Credit Management
(800) 282-2644

PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION

Payment coupon
MCM Account No: #########
Current Balance: $2,###.##

Payment Due Date: ##/##/08

Amount Enclosed:____________________

Payment Options:
1) Mail in this couon with your payment
2) Pay by phone (800) 282-2644

Make Check Payable to:
Midland Credit Management, Inc.

MCM
Midland Credit Management, Inc.
Department 8870
Los Angeles, CA 90084-8870

""""I am livid and can not wait until morning to start calling them and researching what the heck is this????"""" Did anyone receive a collection notice from this company? Supposedly the original creditor is FCNB. I don't even know who this is. After tomorrow, I'm going to need advice on how to handle this. I just bought a 3 in 1 monitoring on my credit file and wow!!! amazingly, the collection is on my credit file. I am so mad!!! that any of these company are allowed to even access your personal information without any valid information. I will contacting everyone and anyone about this. What really strikes me very odd is the tax returns and rebates????

Berta
pissed off land
U.S.A.