Consumer complaint received 2020-01-15
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Midwest Recovery System put a collection account on my credit file for {$690.00} from a 12EZ Online PDL. Wow, this is the first I am hearing or seeing about this. When I never borrowed money from this company. So, I going to go through the proper channels and dispute this debt and ask for validation from Midwest Recovery System. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I  respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

CFPB please note that this is the second time Midwest Recovery System said I owed a debt that I do not owe. That they could not show proof the first time I had owed. In reference to CFPB complaint number XXXX that was filed on XX/XX/XXXX. 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation