I have been getting calls from attorneys from a company called Midland Credit Management. They claim that I had an unpaid, past due account with FCNB. Since I did refused to acknowlege the debt, demaned that they send me a sign application when the account was set up. Instead, they send me an excel spreadsheet of some numbers I am assuming are account balances. I have demanded that this charge be removed from my credit report, but they refuse. Although they are no longer asking for payment, they will not take it off my credit report. Help!