Consumer complaint received 2018-04-01
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by several.of my credit monitoring services trusted is .XXXX XXXX..XXXX   XXXX. That a new negative account.was added to my credit. On XX/XX/XXXX.  Upon.checking.the alert I found XXXX XXXX XXXX XXXX had placed a debt for. {$700.00} original debtor XXXX XXXX or XXXX XXXX their.one.in.the same as a collection.account that was placed with XXXX XXXX XXXX on XX/XX/XXXX.  Upon.calling them mid West inquiring on.this.it.was revealed that they were trying.to.collect a.paid.debt. this.debt was.already paid.thru XXXX XXXX debt collection back.in.XX/XX/XXXX it was paid.in.full.an.I.did.that just to.get it.off.my.credit as I.did.not.make.that debt as I.am.in.process.of.purchasing.a.home. I.contact mid West an they said.to send them.email ofnoroff.of.payment to.XXXX which I.did an they have not deleted the frivolous claim.they put.in my.credit.why are they able.to attempt.to.collect.a.paid.debt where do.they get the.info.of.these debts an is there not.a.system.in.place to.reflect they are paid.I feel after lengthy online.investigation that mid West among other are fraudulently.trying.to.collect any debts paid.or.not.an.no.paying.the debt or the right.s to.collect. it has damaged.my credit.49 points my credit worthiness an.deflation of.my.character I.want this.removed from.all three bureaus.an.any other.credit bureaus that collect.or.log.ie XXXX XXXX etc.an.my score.out.back.to.where it.was.I.just got.a gold we I have worked very hard to.achieve good.credit XXXX to have it wrongfully.ruined. I.am.already victim of 4 different data breaches An I.do n't have time.to.not.should.I.have to.worry about this.an.undue.distress.an potential inability now.as underwriting.will.pull a.report an.see this timing.is.not.on my.side.. 
XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX This is the company trying.to.collect a paid debt This.is.the company I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Ks XXXX XXXX File # with XXXX XXXX XXXX An on my paid receipt XXXX XXXX showed a XXXX XXXX XXXX dept XXXX XXXX..al XXXX An XXXX XXXX   agreed if.I paid.it.in full when I.called in it they would delete remove it.from my.bureaus an.u.would.have to.wait 30 days to.do it an they did.not.have it.done.in that time an I.called them.again.an. basically was told to.wait.30 to.45 days an not.to.dispute or.it. would have to.start the time.wait over again. after 45 days I.disputed.a. still had to.re dispute as the verified as a accurate debt an left.it.paid.collections.I.called XXXX XXXX again an.using threat of.taking them.to.court they finally 39.additinalndays later removed it.after I.disputed it.a.second.time.. 
I am.seeing.damages for.the slander.and.deflamatiim of.my an.credit.worthiness.an.character. an.I.want the agencies to.be fined.for.their. faults.I.believe their.XXXX a pop for attempting.to.collect.a.paid.debt Dilute.to.notify me.at all.of.their attempt to collect. 
or.5 day notice to.place in.my credit my address is.currently report Collecting.a debt when they are.not.even.in the county.the debt originated. 

Throw the book.at them.an.please get.this.off.my.credit. 
You can.reach me.at XXXX XXXX XXXX XXXX. 
If.prompted I.will.upload.proof.of payment an the other info.I.have .respectfully.

Company response to consumer: Closed with explanation