Midwest Recovery Systems Debt Collection Complaint

Midwest Recovery Systems Debt collection department,

Payday loan Cont'd attempts collect debt not owed Debt was paid Pennsylvania

I do not dispute that I took out a payday loan with - but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all - major credit bureaus. I 've disputed with all -, - came back as deleted, the other - show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and - woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all - bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?