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] ***