Midwest Recovery Systems Debt Collection Complaint

Midwest Recovery Systems Debt collection department,

Medical Disclosure verification of debt Right to dispute notice not received Missouri

Midwest Recovery Systems reported a collection debt to my - Credit file on -/-/- for $300.00 medical bill. I never received a 30 day disclosure of any collection activity. When I called them on -/-/- after finding out this debt was placed on my credit file by - monitoring service, I was told this was a medical office debt with - - for -/-/- and that the debt was sold from another collection agency ( - or -? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with -. This caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred -/-/- then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.