Sunday, February 10, 2008

Two credit reports show Spiegel accounts as charged off

My problem, briefly: At least two credit reports list Spiegel accounts as charged off ( one even states Profit/Loss Write Off ) with DOLA at Dec. 2001. The same two CRA's are reporting Midland Credit Management as creditor of the same accounts and are being reported as "opened" in December 2007. In other words, Spiegel and MCM are reporting the same accounts twice in each CRA. I believe with the DOLA at Dec. 2001 plus the fact that I live in NY, the accounts have reached the SOL. Still, I don't want the MCM listings since they are neither valid nor the OC. I copied one of your validation form letters and re-worded it some to fit in with having found the information on the CR. On both CRs, MCM gives almost no information: only last three numbers of acct., no contact information and obviously the blatant misrepresentation of when the accounts were opened. Are the last four digits of the acct. number enough ? Should I send the CMRRR (or whatever the acronym is) to any one of their business addresses I find on line. By the way, I have sent letters to dispute to the CRA's, but I feel that is probably not enough.
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make them validate that debt with signatures and legal chain of ownership
or call the attorney general and ftc and bbb

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