Midwest Recovery Systems, LLC.

Complaint: [redacted] I am rejecting this response because:This is the SECOND DISPUTE with-in 45 Days regarding the validity of this debt, and your agency is in clear violation of The Fair Credit Reporting Act as a result of this! Please be advised of the law as follows pertaining to the TIME-SENSITIVE PARAMETERS of investigations and disputes:I once again DO NOT recognize this account under The Fair Debt Collection Practices Act (FDCPA), and I am requesting that you provide me with validation of this debt. Please note this is a statement that your claim is disputed and validation is demanded. (15 USC 1692g Sec. 809 (b)) I do hereby request that your office provide me with COMPLETE DOCUMENTATION to verify that I owe the said debt and have any legal obligation to pay you. Please provide me the following: Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt valid, copies of the debt agreement stating the amount of the debt and interest charges, PROOF that the statue of limitations has not expired, COMPLETE payment history on this account along with an accounting of all additional charges assessed. Additionally, show me that you are licensed to collect in my state, and your registration numbers and registered agent. If your office fails to reply to this debt validation with with-in 30 days from the date of your original date of my dispute, ALL instances related to this account MUST be immediately deleted and COMPLETELY removed from my credit file by all 3 major bureaus: [redacted] , [redacted] , and [redacted] . Moreover, all future attempts to collect on said debt must be ceased! Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] ***I do not live at the address that was listed in the response from Midwest Recovery If Midwest Recovery will need to provide proof of this debt and e mail it to me at the e mail address that I have provided to the Revdex.com If you cannot obtain this proof, collection efforts need to stop

Complaint: [redacted] I am rejecting this response because: I will wait to receive validation before this matter is considered resolved 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 meThank you for your assistance 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 have liked them to be specific as to when the Dispute note will post to my credit reports Sincerely, [redacted]

Please have the consumer provide the last digits of her SSN#.Best Regards, [redacted] M [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 meAs long as this is deleted from my credit report, I will be happy 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] ***

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 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 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

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 and a validation request has been submitted to our clientValidation must first be requested from the original client, [redacted] Once they have provided the requested documentation, that will be forwarded to the consumer 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]

Complaint: [redacted] I am rejecting this response because: I need it DELETED from my Credit report ASAP! I should NOT have to wait for them to figure anything outThey have admitted that they had NO communication whatsoever via verbal or written with me, so NO VALIDATION was made before they(MIDWEST RECOVERY) just took it upon themselves to place an negative item on my credit report This should be "ILLEGAL" and I want that collection item removed ASAP! 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 12/21/2016. 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

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 Sincerely, [redacted] Thank you for resolving this issue

Complaint: ***
I am rejecting this response because:
This account needs to be closed outMy insurance company has faxed, and the company has stated that they received the fax of a letter of eligibility to close out my accountAfter I explained this to supervisor *** *** he asked for my credit cardI refused to give them my credit card *** was dismissive, and condescending*** kept asking for a credit card I feel this is a scamI would.like this account taken off my credit
Sincerely,
*** ***

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 11/11/If there are any questions, please contact our office to resolve this at ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

Complaint: ***
I am rejecting this response because: I spoke to Equifax today (6/14/16) and Midwest Recovery Systems has NOT contacted them to remove their reporting from my credit report It has been removed from TransUnion. I want this removed from all the credit bureaus not just TransUnionSincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution will be satisfactory to me once both accounts are deleted from all of my credit reports.
Sincerely,
*** ***

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 Mr***'s complaint to our attention and we appreciate the
opportunity to respondUpon receiving notification of Mr***'s complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: MRS mailed an initial demand notice to the address provided by our client to *** *** *** *** ** *** on 05/10/We did not receive return mail, nor any phone communication with this consumer prior to credit reporting being issuedOur office then spoke with Mr*** for the first time, and only time, on 6/15/In that conversation Mr*** requested our office communicate with him via postal mail onlyThe consumer claimed this account was fraudulent, and the agent handling the call dispositioned the account correctly, and promptly, removing all phone numbers listed on the account, and marking the account in a DISPUTE statusOur office is well within the guidelines of FDCPA, FCRA, and all other regulatory requirements, and these claims of misconduct are 100% inaccurateMRS takes these claims very seriously, and can provide 100% call recordings, and documentation to support our investigationWith that said, our office has considered this communication a consumer dispute, and will handle this claim accordinglyThe account has been cancelled and returned to our client for further investigation, and MRS will no longer attempt to contact this consumer from today's dateA credit bureau deletion record will also be submitted in the next reporting batchPlease don't hesitate to contact our office directly should there be any more concern regarding this matter. - MRS Compliance Team