Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.