Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Re : Dispute of Inaccurate Credit Reporting - Account # XXXX * * Demand for Permanent Deletion, Compensation, and Cease and Desist Under FCRA, FDCPA, OCRA, and XXXX XXXX ComplianceWithout Prejudice UCC 1-308 Dear Sir or Madam : I am writing to formally dispute the inaccurate and unverifiable information appearing on my credit reports regarding the account listed above, held by MW XXXX XXXX XXXX a collection account originating from XXXX XXXX XXXX This letter serves as my official dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Online Consumer Reporting Act ( OCRA ), and XXXX XXXX compliance guidelines. I demand a thorough, manual investigationnot an automated e-OSCAR processthat complies with all applicable laws, including a review of original documents as required under Federal Rule of Evidence 1002 ( Best Evidence Rule ). Failure to provide such verification will necessitate the permanent deletion of this account from my credit files across all three bureaus. 
Additionally, I am seeking compensation for the damages caused by these inaccuracies, including but not limited to emotional distress, denial of credit opportunities, and increased interest rates, pursuant to FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Courts have consistently awarded actual, statutory, and punitive damages in similar cases where furnishers and consumer reporting agencies ( CRAs ) fail to maintain reasonable procedures for accuracy, as seen in Safeco Ins. Co. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( interpreting willful violations under FCRA ), and XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( requiring CRAs to conduct reasonable reinvestigations ). 
Description of Inaccuracies and Violations 1. Inaccurate Reporting of Late Payments and Delinquency Status : My credit reports from TransUnion, Experian, and Equifax show this account as 180 days late ( or Collection/Chargeoff ) without any prior reporting of progressive delinquencies ( 30, 60, 90, or 120 days late ). This is a direct violation of XXXX XXXX compliance standards, which require accurate and sequential reporting of payment history to reflect the true status progression. Under FCRA 1681e ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of reported information. The abrupt jump to 180 days late without intermediary statuses is misleading and inaccurate, as it implies a delinquency that did not occur in stages. This also violates FCRA 1681c, which governs the permissible reporting periods for adverse information, including the Date of First Delinquency ( DOFD ). The reported XXXX appears incorrect or unverifiable, as there is no evidence of initial delinquency notifications or progressive reporting. Case law supports deletion for such inaccuracies : In XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that incomplete or misleading reporting constitutes a violation warranting deletion. 
2. Status Code Violations and XXXX XXXX Non-Compliance : All accounts must report roles accurately under XXXX XXXX and FCRA 1681e ( b ). The account is reported as Collection/Chargeoff with a balance of {$1100.00}, last reported on XX/XX/XXXX, and comments such as Placed for collection or Medical - Subject has not satisfied debt. However, the two-year payment history across bureaus ( e.g., TransUnion showing derogatory status from XX/XX/XXXX back to XX/XX/XXXX ) lacks consistency and fails to show any verifiable payments or delinquencies. This violates XXXX XXXX guidelines, which mandate precise status codes ( e.g., Code 05 for collection, but only with accurate history ). Furnishers are required under 15 U.S.C. 1681s-2 ( a ) to report complete and accurate information, including the consumers role ( here, individual account ). The absence of a full payment progression renders this reporting non-compliant. 
XXXX. Upload of False Data via e-OSCAR and Wire Fraud Implications : The furnisher ( XXXX XXXX XXXX ) and CRAs have uploaded and maintained false or unverifiable data through the e-OSCAR system, which constitutes electronic communication of misleading information. Under 18 U.S.C. 1343 ( Wire Fraud ), transmitting false information via electronic means for the purpose of depriving another of property ( e.g., credit opportunities ) is a federal offense. While I am not pursuing criminal charges at this time, this highlights the severity of the violations. FCRA 1681i ( a ) requires CRAs to conduct a reasonable reinvestigation upon dispute, not merely an automated ACDV ( Automated Consumer Dispute Verification ) via e-OSCAR. Courts have ruled against automated processes in XXXX v. FleetBoston Fin. Corp., XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), emphasizing the need for manual reviews. 
4. Failure to Provide Method of Verification ( MOV ) : I have never received a Method of Verification as required under FCRA 1681i ( a ) ( 6 ) - ( 7 ). Upon reinvestigation, furnishers must provide detailed MOV, including how they verified the information. No such MOV has been provided, violating 15 U.S.C. 1681s-2 ( b ), which mandates furnishers to investigate disputes and report results. Without originals, no legitimate late payments can be verified, per Federal Rule of Evidence 1002 ( requiring original documents for proof ). In XXXX v. MBNA Am. Bank, N.A., 357 F.3d 426 ( 4th Cir. XXXX ), the court held that furnishers must conduct substantive investigations, not superficial ones. 
5. Additional Violations of Related Laws : * FCRA 1681b : Permissible purposes for reports are limited ; any unauthorized access or reporting is a violation. 
* FCRA 1681s-2 ( b ) : Furnishers must review all dispute information, fix or delete unverifiable items, and provide originalsnot automated checks.

* FDCPA 1692g : Validation of debts requires original proof upon request ; failure to validate prohibits further collection.

* 15 U.S.C. 1666b ( Timing of Payments ) : Creditors must treat payments as timely if received by XXXX p.m. on the due date and provide statements 21 days in advance. No evidence of compliance here, potentially invalidating any late payment claims. 
* 15 U.S.C. 1681s-2 ( a ) ( 7 ) : Requires notice before reporting negative information like delinquencies. No such notice was provided. 
* 15 U.S.C. 1637 ( a ) and ( b ) : Disclosure requirements for open-end credit, including payment timing and extensions of credit.

* 12 CFR 1026.13 ( Regulation Z ) : Billing error resolution procedures, mandating corrections within specific timelines. 
* OCRA Compliance : Ensures online reporting accuracy ; violations here compound FCRA issues.Case law : XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( requiring deletion for unverifiable information ). 
Demands 1. Immediate Reinvestigation : Conduct a manual investigation within 30 days ( FCRA 1681i ( a ) ( 1 ) ), reviewing all submitted information and original documents. Delete the account if unverifiable.

2. Permanent Deletion : Remove all references to this account from my credit files across all bureaus, including any tradelines, inquiries, or comments.

3. Compensation : Provide {$1000.00} in statutory damages per violation under FCRA 1681n ( a ) ( 1 ) ( A ), plus actual damages to be determined ( e.g., via affidavit of harms ). Punitive damages may apply for willful violations.

4. Cease and Desist : Immediately cease all debt collection activities, including communications via phone, internet, email, regular mail, and credit reporting, per FDCPA 1692c ( c ). Any further contact will be considered harassment under FDCPA 1692d.

5. Provide Updated Reports : Send me free updated credit reports from all three bureaus confirming deletion within 5 days of resolution ( FCRA 1681i ( a ) ( 6 ) ).

If you fail to comply, I will pursue all legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general, as well as initiating a lawsuit in federal court for violations. I reserve all rights under UCC 1-308 without prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation