Midwest Recovery Systems, LLC.

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 this complaint to our attention and we appreciate the opportunity...

to respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaint. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record was submitted on 11/21/16. 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

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]

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 account. I was instructed on several occassions to contact Midwest. When they assumed the debt they should have assumed the chain of custody and all the documenation there of. I 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 customers. Therefore, 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 respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record was submitted on 7/23/2017.  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 customers. Therefore, 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 respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record will be submitted on 7/14/2017.  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 bureaus. Under 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 3 major credit bureaus.
Sincerely,
[redacted]

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 30 days the business had to provide this has been well overdue, resulting in violation of the FCRA.  Please remove this tradeline immediately.
Sincerely,
[redacted]

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 this complaint to our attention and we appreciate the...

opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as CANCELLED and returned to our client. A credit bureau deletion record was submitted on 08/06/2017.  If there are any questions, please contact our office to resolve this at [redacted]. 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 customers. Therefore, 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 respond. Upon receiving notification of this complaint, MRS investigated regarding this matter.  Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Dispute as of 03/01/2018 and a record of dispute will be sent to the three credit reporting agencies.  Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. 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 customers. Therefore, 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 respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Prior to this complaint being filed, we received no communication from this consumer either in written, nor verbal format. Our internal policy however is to honor verbal & written DISPUTE claims any time a consumer is expressing such a claim. With 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 client. 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

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 this complaint to our attention and we appreciate the opportunity...

to respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaint. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record wil be submitted on 12/09/2016. 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: they don't have to mark anything on my credit report because it has already been marked.I have also filed a complaint with my Attorney Generals office. I have also filed a complaint with the CFPB. These documents were suppose to have been mailed as of Monday when this rude man called my phone with his lies. If they are not sending me an original contract and all documentation that was suppose to have been created then don't half step. I will only wait a few more days. And I want and need the name of the company that owns this account now since Midwest claims they do not own it. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: There is nothing to "review" they need to remove this immediately since its affecting my credit score. Its 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]

Complaint: [redacted]
I am rejecting this response because:
I have received no communication from MRS and they should have had the information that I requested prior to adding this account to.my credit file  Also, I asked them to show proof that the can legally collect debts in TN and their response negated to address that request.  Whether the client has proper validation or not (which they don't) really doesn't matter if MRS isn't licensed to do business in my state.  With that being said, remove this from my credit files immediately if MRS isn't licensed to do business in TN.
Sincerely,
[redacted]

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 this complaint to our attention and we appreciate the opportunity to...

respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaint. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record was submitted on 12/06/16. 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

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 this complaint to our attention and we appreciate the opportunity...

to respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaint. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record will be submitted on 12/09/2016. 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 am not requesting validation you are long past that remove this [redacted] from my credit now and remove my files from your system you are no longer trusted. Why the [redacted] would I trust you if you violated FDCPA by not doing your legal obligation to allow me to dispute this “debt” in the first place before you illegally did damage to my credit. I will speak to legal counsel about other recourse if necessary.
Sincerely,
[redacted]

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 this complaint to our attention and we appreciate the opportunity...

to respond. Upon receiving notification of this complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Our office submitted a credit bureau deletion record to all 3 credit bureaus on 05/20/2016. We have not attempted to contact this consumer since that date. We were able to access the dispute record submitted on 08/09/2016 via E-Oscar and manually submitted a 03: Delete Account Response Code. Equifax is the only data furnisher that is publishing the data, and TransUnion & Experian have removed the item. We apologize for any inconvenience this has caused.  - MRS Compliance Team

Midwest Recovery Systems has failed to take this debt off of all 3 of my credit reports like they promised. They have taken it off 2, but not all 3.

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 this complaint to our attention and we appreciate the...

opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter.  Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Dispute as of 01/24/2018 and a record of dispute will be sent to the three credit reporting agencies.  Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. 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