i have been fighting with midland for 6 months over this collection and today they responded again with “if i dont like it take it up with the credit reporting agencies” basically telling me to go f myself in a letter and its not their problem.
I just recieved a copy of my credit report today. I wanted to make sure i got it DIRECTLY from the CRA before continuing. Heres how it reads
MIDLAND FUNDING LLC
placed for collection 3/18/14
responsibilty- individual account
account type- open
loan type – factoring company account
date updated 11/06/2015
laste payment made 07/09/2015
original amount- $ 484
paystaus- account paid in full
Now my problem is the account still remains open, and it has the account type as a “factoring company account”
Am i just reading this wrong? Its my understanding that they cannot be a factoring company as they are a collection agency. And second why do they continue to report the account open. This shows it to look like an open collection on my report altho there is a close date…..i need advise please. This last guys letter was down right rude and told me if i dont like it to bad.