Midwest Recovery Systems, LLC

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record will be submitted on 08/09/The control number for this deletion record is [redacted] Please allow 24-hours for the credit bureaus to update their records If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because: I have NOT received any type of validation from the business in regards to this alleged debt The days the business had to provide this has been well overdue, resulting in violation of the FCRA Please remove this tradeline immediately Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me They have agreed that the derogatory and misleading information they gave to both Experian and Equifax credit companies were and in a fraudulent natureMidwest Recovery Systems LLC claims in their statement to me that they will delete the negative record from my credit history but in the response letter from them, the Revdex.com is asking if I agree to the response or disagree.I am willing to agree to their response but I would like to wait until they have removed the negative information the my credit reportJust to make sure they are in good faith in their response to this matter.Is this at all possible....for me to wait for my response to the Revdex.com until Midwest Recovery Systems, LLC have done what they say they will do? Thank you, [redacted]

Complaint: [redacted] I am rejecting this response because as I previously stated I have never received a good or service from Midwest Recivery therefore contacted the original creditor and was informed they no longer handle this account or any matters regarding this accountI was instructed on several occassions to contact MidwestWhen they assumed the debt they should have assumed the chain of custody and all the documenation there ofI request that this account be deleted now as there is no documentation to validate this account Sincerely, [redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has previously been marked as DISPUTE and a validation request has previously been submitted to our client and provided to the consumerIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

In response to your below inquiry: No, I did not call or contact Midwest Recovery Systems upon discovering the collection activity on my credit reportI would prefer to work directly with the Revdex.com to resolve this matterThank you in advance for your assistanceBest, [redacted]

On the 7th a company called Midwest Recovery Systems placed a collection on my transunion credit report for 1,They put two collections for the same debt on my Equifax reportThis is not my debtI have never been contact through mail or phone stating I owe this debtThey are also not licensed to collect in the state of TennesseeSo I contacted the Revdex.com, the Tennessee Board of Collections and filed disputes with Equifax and TransunionThen on the 8th I received an email from the Board of Collections here in Tennesee and they had a letter from the company saying they were going to delete itdays after that it was both collections were deleted from my Equifax report but not my transunionThen this morning I get an alert from my Equifax monitoring saying that have added back on my report but this time it was only onceSo at this point I have contacted the CFPB and I have contacted the Board of collections in Tennessee againThis company has broken several debt collection laws and it needs to be corrected The same debt can not be added to a credit report twice, which they did the first time on the 7thA debt collection can not put a collection on a credit report without sending a letter for debt validation, which they have done twice now3rdMidwest Recovery Systems is not licensed to do debt collection in Tennessee but they are attempting to.I want it deleted from my Transunion and Equifax reportThis in not my debt, I have no knowledge of this debt

Complaint: [redacted] I am rejecting this response because: It should be removed from my credit file and they openly admitted to having made no contact with me..This is absolutely no way to run a legitimate business Sincerely, [redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaintOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record was submitted on 11/28/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Unable to Validate and returned to our clientA credit bureau deletion record was submitted on 11/11/Please allow 30-for the credit bureau to update their records If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Cancelled and returned to our clientA credit bureau deletion record was submitted on 12/3/Please allow 30-for the credit bureau to update their records If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Mr [redacted] paid this account in full with our office on 09/12/This is not a valid complaint per the consumer acknowledges the account and has resolved the balance with our officePlease contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matter Our internal policy is to honor both verbal, and written validation requestsThis account has been marked as Dispute as of 01/24/and a record of dispute will be sent to the three credit reporting agencies Additionally, a validation request has been submitted to our clientOnce they have provided the requested documentation, it will be forwarded to you at the address provided in this complaintIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

12/14/2017: Mediator sent business email regarding complaint.12/26/2017: Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matter It was found that your account has been mark UTV (unable to validate) on 11/7/ A deletion record has been submitted to the credit reporting agencies on 11/11/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing Ms [redacted] 's complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Ms [redacted] 's complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Prior to this complaint being filed, our office has had no communication with this consumer, neither written nor verbal to address this disputeOur internal policy, however, is to honor verbal & written validation/dispute requests any time a consumer is expressing such a claimWith that said, we have acknowledged this validation request, and have marked this account DISPUTE as of today's date, and will issue a request for validation documentation from our clientThose documents will be mailed to the newly provided physical address Please contact our office to resolve this at [redacted] You may also email us at [email protected] - MRS Compliance Team

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ Contact Name and Title: MRS Support Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @mrs-direct.com We just spoke with Ms [redacted] on 09-08-15, in which she informed us this account was previously included on a bankruptcy she filed in We have marked the account Bankruptcy, submitted for a credit deletion record, and will return this matter to our client accordinglyIf there are any further questions please contact us directly

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaintOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record was submitted on 12/16/If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because:I have already expressed that the debt was closed out and I have provided proof of thisI would like this account removed from my credit report immediately.Thank you Sincerely, [redacted] ***

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing this complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Unable to Validate and returned to our clientA credit bureau deletion record was submitted on 07/30/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because: This is the standard generic response provided by this firm time after time There are so many violations of the FDCPA from not providing a written notification of the alleged debt with a disclaimer about non-collectability to labeling it as an open account in the credit bureau files to make it look as though it is a recent default and designed to cause maximum and wilfull injury to one's creditworthiness It must be removed right away from all credit bureaus Sincerely, [redacted]