Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.