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 01/20/ 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 account has been cancelled from our office internally and sent back to the client for review marked as FRAUDThe client will be required to provide supplementation of documents to the consumerWe will no loner be attempting to collect on this debt, and a credit bureau deletion record will be submitted on 4/15/

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing Mr. [redacted] 's complaint to our attention and we appreciate the... opportunity to respond. Upon receiving notification of Mr. [redacted] 's complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our office has attempted to contact this consumer at [redacted] & [redacted] , over 10 times, since 4/19/2016, which were the numbers provided by our client as a valid contact number. According to the FDCPA it is not required to provide the 809C Initial Demand Letter until verbal contact is made with a consumer, at which point it is then required to be sent within 5 days of the initial contact. Our first verified communication with this consumer was on 6/22/2016 at which time the consumer stated he had a previously paid in full letter from the lender. Our internal policy is to honor verbal & written validation requests any time a consumer is expressing such a claim. With that said, we have marked this account DISPUTE as of 06/22/2016, and will issue a request to our client to provide the required validation documents. Those 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 [redacted] @mrs-direct.com. - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because: I had previously disputed this claim with MRS, they have yet to send me a debat validation or mark it as disputed with credit bureaus.I will now file a complaint for with my state attorney general, MRS has also failed to provide information I requested verifying they are legal to collect in my state with their licensing informationThis is an attempt to reset the original time frame of when the initial dispute was submittedSincerely, [redacted]

This account has been cancelled from our office internally and sent back to the client for review marked as Unable to ValidateThe client will be required to provide supplementation of documents to the consumer We will no longer be attempting to collect on this debt, and a credit bureau deletion record will be submitted on 04/06/

Everything has been removed from my credit report at this time No more follow up needed Thank you so much!

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 I will be following up in days to verify this information has been deleted from my credit report Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because.I do not owe any moneys to those peopleI researched the name and it is some Indian owned company which has numerous complaints about fraudulent accounts 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 mePlease send me a copy of this letter that was sent out to the credit Bureaus via this message 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 This account has been marked as Fraud as of 03/05/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

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 As long as it's removed from my credit report 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. 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 However, I would also like the response letter from this company to include my full name so that I will have a copy to keep in my recordThey also stated that they submitted the deletion to the credit union on 7/but it does not reflect such deletion on my credit reportsI would like them to resend the deletions to all three 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 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 04/27/and a record of deletion will be sent to the three credit reporting agencies Please allow days for the credit reporting agencies 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 Compliance Team

Complaint: [redacted] I am rejecting this response because: There is nothing to "review" they need to remove this immediately since its affecting my credit scoreIts unfair to me to have to deal with this just because they do not review things to ensure they are not pursuing something they should not 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 04/17/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 [email protected] - 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 client since the consumer provided proof of previous paymentA credit bureau deletion record will be submitted on 07/28/ 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 matter It was found that our client was unable to validate this debt This account has been marked as Unable to Validate as of 01/12/and a record of deletion was sent to the three credit reporting agencies on 01/13/Please allow days for the credit reporting agencies to update their recordsYou will no longer be receiving communication from our officeIf 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

Since filing the complaint with the Revdex.com, Midwest Recovery has removed the derogatory mark from my credit report and have not pursued me any furtherSince the mark was removed and I never received any other notification of debt from them, I do not have any files to upload for your clarification Please let me know if you need any more information regarding this matterThank you!

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 with Midwest Recovery Systems and returned to our clientA credit bureau deletion record will be submitted on 04/28/ If there are any questions, please contact our office to resolve this at 888-253-You may also email us at [email protected] - MRS Compliance Team