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 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 will be submitted on 04/21/ 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

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 My concern is them notating as fraud when it was a legit loan but paid on my part As long as this debt is trashed and never show back up on my report again I will be happy with this response and action I am just tired of continuously having to fight this as it is sold over and over 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 matter It was found that our client was unable to validate this debt This account has been marked as Unable to Validate as of 02/12/and a record of deletion will be sent to the three credit reporting agencies 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: My credit has been affected from the time this company posted the debit I dropped points as they have deleted I only went back up points so I was still adversely affected Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I am not disputing a debt with a company I have never conducted business withThis is fraud and should be removed from my credit reports immediatelyI am in the process of purchasing a home and am being illegally penalized on my credit reportThis item should be removed from my credit reports immediatelyThe FCC should be notified of these predatory actsI am saddened by this response 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 DISPUTE on 12/11/and a validation request has been submitted to our clientOnce they have provided the requested documentation, that will be forwarded to the consumer at the address provided in this complaint MRS is allowed days to provide validation If validation is not available in days MRS will mark the account as unable to validate and submit a deletion record to all three credit reporting agencies 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

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 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 matter Our internal policy is to honor both verbal, and written validation requestsThis account has been marked as Dispute as of 04/03/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 888-253-You may also email us at [redacted] - 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 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

Complaint: [redacted] I am rejecting this response because:As Midwest Recovery Systems has agreed, they've never had been in communication with me regarding this debt so I'm not sure why they didn't do their due diligence to confirm this debt was mine and correct prior to reporting it to the credit bureausUnder the FCRA, a creditor "should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer's performance on the account; require maintenance of records for a reasonable amount of time; establish internal controls for the accuracy and integrity of information, such as through random sampling; prevent re-aging (inaccurately changing the date of first delinquency on a consumer’s account to a later date) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers; and and require updating of furnished information where necessary."So therefore, if they are alleging I owe this debt, shouldn't they already have in their possession, information that should "be substantiated by your records when it is furnished; include consumer identifiers, like name(s), date of birth, Social Security number, telephone number(s), or address(es); and be furnished in a standardized form and specify the time period it pertains to."In this case, I am requesting Midwest Recovery Systems immediately remove reporting of this account to all major credit bureaus 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: Prior to this complaint being filed, we received no communication from this consumerWe have made over attempts to contact this consumer at [redacted] which was provided in this claim as a valid contact numberOur internal policy is to honor verbal & written fraud claims any time a consumer is expressing such a claimWith that said, we have acknowledged this as a fraud claim, and have marked this account FRAUD as of today's dateOur office will issue a credit bureau deletion record on the next batch submission file sent to the credit furnishers, and will make no further attempts to contact this consumer, nor collect upon this debt, and will immediately return this account to our client for internal reviewPlease contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

According to the FDCPA guidelines a collection agency is required to provide the requested validation documents within days from receipt of the request in writingOur office did not receive any such request until this initial Revdex.com complaint was filedWith that said, our internal policy is to honor both verbal and written requests from any consumer stating they are disputing an accountMRS submitted a request to our client to provide said documentation on today's dateOur initial receipt of this complaint was received on 07/18/The documents were requested within hours of receipt, and are pending validation documentation from our clientThose documents will be provided to the mailing address listed in this complaint upon receiptIf there are any further questions please contact our office directly at [redacted] - 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 It was found that this issue has been resolvedYour phone number has been removed No further telephone calls should be received If there are any questions, please contact our office to resolve this at 888-253-You may also email us at [redacted] - 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 01/18/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

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 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 Dispute as of 01/23/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 complaintShould our client fail to provide documentation a deletion record will be sent to the three credit reporting agenciesIf 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: Prior to this complaint being filed, we received no communication from this consumer either in written, nor verbal formatOur internal policy however is to honor verbal & written DISPUTE claims any time a consumer is expressing such a claimWith that said, we have acknowledged this as a dispute/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 addressPlease contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

12/13/2017: Mediator sent business email requesting update.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 This consumer does have accounts in our office I marked the second account as UTV also and a deletion will be submitted to the credit reporting agencies on12/29/

Complaint: [redacted] I am rejecting this response because: this is another attempt to negate my validation requestI 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 validat this accountI have already sent in previous requests and it has since been atleast months Sincerely, [redacted]

MRS submitted for a credit deletion to be issued on 03/04/Unfortunately once we submit the reporting batch to the credit furnishers they can take 30-days to furnish the dataWith that said, we did receive confirmation from TransUnion that the batch file was process on 03/25/As for Experian & Equifax we have not received processing production files from themWe have done everything we can on our end to submit for deletion from Mr***'s credit report