Consumer complaint received 2018-09-27
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I feel third-party debt collector Midwest Recovery Systems ( MRS ) is currently violating state and federal laws when reporting accounts to the credit bureaus. When MRS purchases old debts from an original creditor they never contact the consumer, neither 30 days prior to reporting it or 30 days after reporting it. They are in the business of reporting fraudulent or erroneous information to the credit bureaus with the intent to deceive consumers for financial gain. MRS has a history of reporting old accounts, outdated accounts, fraudulent accounts and inaccurate accounts to the three major credit bureaus without validation. When reporting these accounts they knowingly report invalidated accounts, inaccurate balances, erroneous open dates ( to re-age accounts ) to keep the accounts on credit reports longer and different address to avoid consumers complaints. Also, when you dispute their claim through the three major credit bureaus, they update your account with a blanket statement that it complies with the FCRA and age the account to include missed payments. 

Currently reported the following : XXXX ( credit report dated XX/XX/2018 ) Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2018 Account Status : open Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( invalid number ) XXXX ( credit report dated XX/XX/2018 ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( credit report dated XX/XX/2018 has no collection account from Midwest Recovery Sys or XXXX ) ( Credit report dated XX/XX/2018 contains the following information ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Status Updated : XX/XX/2018 Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX *MRS did not report to XXXX until XX/XX/2018 after I filed a XXXX complaint on XX/XX/2018. With a balance date or XXXX *MRS flagged my account on XX/XX/2018 as collections, with a balance date of XXXX *Updated XX/XX/2018 as FB ( failed to pay ) As you can see that this company has a habit of providing erroneous and conflicting reports to the different credit bureaus in an attempt to deceive for financial gain. I never opened an account with MRS or XXXX in XX/XX/2018 as they have reported. I find it odd that they never contacted me or sent any correspondence concerning his supposed debt. I also find it disturbing that they would report different information to the bureaus as well as continue to provide misleading and erroneous information while my dispute is being investigated. 

Spoke with XXXX XXXX of MRS XX/XX/2018 and she refused to discuss the supposed debt because I wouldnt provide my social security number or date of birth. I did not feel comfortable providing this information seeing that they have been very deceptive in their practices. 

At this point I feel I have no other option than to hire legal representation to resolve this.

Company response to consumer: Closed with explanation