It came to my attention of XXXX midland accounts when viewing my credit reports. On separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX and XXXX pertaining XXXX Midland accounts ( XXXX ) and ( XXXX ) and the disputes were returned verified. After That I sent midland an email on their website dispute system to direct dispute with them on XXXX 2015. They have sent me no verification whats so ever, then midland sent me a bill to pay them in XXXX, I do n't read XXXX. After some investigation on my part, I am concerned that this account may not belong to me, and the reporting to XXXX XXXX and XXXX Is not accurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ). Also Midland is not suppose to report a collection account under " revolving open accounts '' Showing it is an open account on monthly terms with XXXX plus lates. This is a violation. Midland is a collection agency and did NOT extend me any credit.