Mid-Michigan Collection Bureau Debt Collection Complaint

Medical Disclosure verification of debt right to dispute notice not received

Mid-Michigan Collection Bureau Debt collection department,

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

This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This account should be removed immediately or legal action has to be taken.

Mid-Michigan Collection Bureau customer in Michigan
Feb 02, 2017

* Source: CFPB Complaint Database

Mid-Michigan Collection Bureau response to complaint:
Closed with explanation

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