Who Called From 905-829-3538?
Short answer: 905-829-3538 is a number used by MDG USA Inc. (MDG USA Inc.), a third-party collection agency based in Oakville, Ontario, Canada — nyc department of consumer and worker protection (dcwp) debt-collection license 2130938-dcwp on file, address of record in oakville, ontario, canada. They are almost certainly trying to collect a debt, most often consumer accounts. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 905-829-3538?
The number 905-829-3538 is used by MDG USA Inc. (nyc department of consumer and worker protection (dcwp) debt-collection license 2130938-dcwp on file, address of record in oakville, ontario, canada), a third-party collection agency in Oakville, Ontario, Canada. For the full company profile — ownership, history, and known aliases — see our complete MDG USA Inc. guide. This page focuses on the calls coming from 905-829-3538 specifically.
About this specific number
- 📞 Number: 905-829-3538 (area code 905, ending in 3538)
- 📍 Line type: Direct-dial — resolves to the 905 area code.
- 🏢 Operator: MDG USA Inc., a third-party collection agency in Oakville, Ontario, Canada.
- 🔢 Related lines: MDG USA Inc. is documented using 1 number in our directory, so calls may also come from other digits.
905-829-3538 is a direct-dial number tied to the 905 area code, which is why the call may have appeared "local" on your caller ID even though MDG USA Inc. operates out of Oakville, Ontario, Canada.
Some carriers display 905-829-3538 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from MDG USA Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: MDG USA Inc..
Why Is MDG USA Inc. Calling Me From 905-829-3538?
In our directory, 905-829-3538 is tracked as a nyc department of consumer and worker protection (dcwp) debt-collection license 2130938-dcwp on file, address of record in oakville, ontario, canada for MDG USA Inc., which typically collects consumer accounts, retail debt. A call from 905-829-3538 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with MDG USA Inc. to collect on behalf of the original creditor.
- ✅ MDG USA Inc. is now dialing you from 905-829-3538 and possibly other lines to reach a resolution.
Calls from 905-829-3538 often come right after a billing cycle closes. Some people report that 905-829-3538 calls once and hangs up, then tries again from a different MDG USA Inc. line hours later. A single missed call is not proof of a valid debt. When 905-829-3538 shows up on your caller ID, it is worth checking whether the MDG USA Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make MDG USA Inc. prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 905-829-3538 — does not prove you owe the debt, that the amount is correct, or that MDG USA Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 905-829-3538
Anything you say to MDG USA Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 905-829-3538 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from MDG USA Inc..
Don't agree to a payment on the spot
A single payment to MDG USA Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 905-829-3538.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 905-829-3538. Any legitimate MDG USA Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 905-829-3538 caller. If it truly is your MDG USA Inc. account, they should already have what they need and must prove it.
What To Do If 905-829-3538 Keeps Calling
Here are concrete next steps for this specific MDG USA Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 905-829-3538 as a contact labeled "MDG USA Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 905-829-3538 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that MDG USA Inc. identify the original creditor behind the 905-829-3538 calls and the date the debt was opened.
Your Rights When MDG USA Inc. Calls From 905-829-3538
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send MDG USA Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If MDG USA Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 905-829-3538: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that MDG USA Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, MDG USA Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars MDG USA Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 905-829-3538
We investigate the specific MDG USA Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the MDG USA Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to MDG USA Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
905-829-3538 — Frequently Asked Questions
Who is calling me from 905-829-3538?
905-829-3538 is a direct-dial line associated with MDG USA Inc. (also seen as MDG USA Inc.), a third-party collection agency headquartered in Oakville, Ontario, Canada. The number resolves to the 905 area code. If you received a call from 905-829-3538 — often showing the last four digits 3538 on your screen — it is very likely MDG USA Inc. attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 905-829-3538 a scam number?
MDG USA Inc. is a real, registered company, and 905-829-3538 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like MDG USA Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 905-829-3538?
You are not legally required to answer 905-829-3538 or call MDG USA Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, MDG USA Inc. must pause collection until it mails you proof of the debt.
Why is MDG USA Inc. calling me about consumer accounts?
A call from 905-829-3538 usually means an original consumer accounts went unpaid and was placed with MDG USA Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop MDG USA Inc. from calling 905-829-3538?
Yes. The FDCPA lets you send a written cease-and-desist demand telling MDG USA Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 905-829-3538 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt MDG USA Inc. is calling about?
Do not pay anything based on a call from 905-829-3538 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About MDG USA Inc.
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