Midwest Fidelity Services on Your Credit Report: What to Know

Midwest Fidelity Services, LLC has collected consumer and commercial debts from Ottawa, Kansas since 2012. Despite a name and website that emphasize medical and dental collection, MFS also collects for fintech companies, auto lenders, banks, and other personal finance businesses.

Their documented FDCPA complaint categories include threatening actions that cannot legally be taken and improperly sharing consumer information with third parties. This guide covers who they are and how to respond.

Who Is Midwest Fidelity Services?

Midwest Fidelity Services, LLC is a BBB-accredited third-party and first-party debt collection agency with 11 complaints over a three-year period and 7 CFPB complaints since August 2015. Four Justia civil cases name MFS.

Kansas has a 5-year statute of limitations on written contracts, and medical debt CFPB rules apply to any healthcare account they report.

Broader Client Base Than the Name Suggests

MFS collects for medical providers, dental offices, fintech companies, auto lenders, personal finance businesses, and banks. If an MFS entry appears on your credit report and the original creditor is a lender, auto company, or financial technology firm rather than a healthcare provider, that account is a standard consumer debt governed by the FDCPA but not subject to medical debt reporting rules.

Confirm the original creditor type before applying any medical debt dispute strategy. The protections that apply depend on the account category.

First-Party and Third-Party Collection

MFS offers both first-party and third-party collection services. If you received early billing calls or letters from MFS shortly after missing a payment, they may have been acting as a first-party billing agent on behalf of the original creditor rather than as a traditional third-party collector.

Ask MFS in writing whether they are contacting you as a first-party billing agent or a third-party collector. The answer determines which FDCPA validation obligations apply and how your response should be structured.

Threatening Actions and Third-Party Contact

Documented FDCPA complaint categories against MFS include threatening actions that cannot legally be taken and improperly sharing consumer information with third parties. Under FDCPA Section 1692e(5), threatening legal action a collector does not intend to pursue is prohibited. Under FDCPA Section 1692c(b), discussing a consumer’s debt with third parties beyond obtaining location information is prohibited.

If MFS has threatened a specific legal action and not followed through, or has discussed your debt with a family member, employer, or other third party, document that communication before filing a CFPB complaint.

Medical Debt Reporting Rules Apply to Healthcare Accounts

For any MFS account tied to a medical or dental provider, current CFPB rules apply. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported.

If MFS has reported a medical or dental balance under $500 or less than one year past due, dispute it without waiting for MFS to respond.

What MFS Cannot Do Under Federal Law

• Threaten actions they do not intend to take: A documented FDCPA complaint category against MFS. Any specific legal threat that is not followed through is actionable under FDCPA Section 1692e(5).
• Share consumer information with third parties beyond location inquiries: A documented complaint category. FDCPA Section 1692c(b) limits third-party contact strictly.
• Report medical or dental debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.
• Apply FDCPA commercial account protections to consumer accounts: MFS collects both consumer and commercial accounts. The FDCPA applies only to consumer debts.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original creditor’s name, the account type, the balance at referral, and whether MFS is acting as a first-party or third-party collector. For medical and dental accounts, request the date of service and your insurer’s explanation of benefits.

How to Find MFS on Your Credit Report

Check your credit reports for “Midwest Fidelity Services” and “MFS Collections.” Confirm the original creditor is identified and the account type matches your history. For medical or dental entries, verify the balance exceeds $500 and the account is at least one year past due.

Your Options Before Paying or Responding

• Confirm first-party or third-party status before engaging: The answer determines which FDCPA validation rights apply to your account.
• Document any threatening statement that is not followed through: A documented MFS FDCPA complaint category. Date, time, and exact language are all relevant.
• Dispute medical and dental entries under $500 or less than one year old immediately: CFPB rules make both disputable without waiting for MFS.
• File with the Kansas AG in addition to CFPB: The Kansas Attorney General’s Consumer Protection Division accepts debt collection complaints at (785) 296-3751.

How to Contact Midwest Fidelity Services

• Address: Midwest Fidelity Services, LLC, 103 S Main Street, Ottawa, KS 66067
• Phone: (844) 343-4589 or (844) 800-0904

Bottom Line

Midwest Fidelity Services collects for a broader range of clients than their medical and dental focus implies, including fintech, auto, and banking accounts. Their documented FDCPA complaint categories include threatening actions not followed through and sharing consumer information with third parties.

Confirm the account type, verify first-party or third-party status, and for medical and dental accounts check the balance and age against current CFPB reporting thresholds before paying or responding to anything MFS claims.