Consumer complaint received 2018-10-12
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NEVER received proof that debt belongs to me or that I agreed in writing to pay Midwest Recovery. They reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ) /FCRA, I have the right to request validation of the debt Midwest Recovery says I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Midwest Recovery. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that I have any legal obligation to pay MidwestRecovery. At this time I will also inform them that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by Midwest Recovery or the companies you represent, I will not hesitate in bringing legal action against Midwest Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Midwest Recovery in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. All items of collection added to credit bureaus must be removed. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If Midwest Recovery fails to respond to this validation request within 3 days from the date of this complaint, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed and original forms no copies ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and agreement that alleged debtor agreed to pay Midwest Recovery ( in its entirety with debtors signature in writing ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment signed by alleged debtor and Midwest Recovery Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Midwest Recovery books Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Midwest Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please allow 30 days for processing after me and my attorney receives the requested

Company response to consumer: Closed with explanation