Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not liable for this debt of {$440.00} with ( MIDLAND CREDIT MANAGEMEN ) Account Number : XXXX | do not have a contract with MIDLAND, nor am I responsible for the debt.They have been falsely reporting this debt on my consumer credit report since XX/XX/2023. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. I would like this removed from my credit consumer report.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have received numerous phone calls and letters alleging that I owe a balance of {$1300.00} to a XXXX XXXX for an account that was supposed to have been opened on XXXX XXXX This is the information reflected on my credit report. It is being collected by Midland Credit Management. I have stated many times to this company that I do not know who XXXX XXXX. I have lived at my current address since XXXX XXXX XXXX and have not opened any knew accounts anywhere other than my car loan and XXXX XXXX XXXX accounts, which are all in good standing, since moving here. They still have not been able to tell me any details of what type of account this is or provided any type of validating information to my. Additionally, I have searched the XXXX website and found that while this company holds numerous licenses in many states, it does not appear to hold a debt collectors license for the state of California. It does have a branch located in XXXX XXXX, Ca but the license it holds for that branch is a XXXX XXXX XXXX XXXX XXXX XXXX. I may have missed something but from what I have read that does not give them authority to attempt to collect any debts in this state. I feel that is an issue that should be properly investigated. Never the less, as I have stated, I have not opened any type of accounts other than those i have disclosed and because this company has refuses to provide me with any validating information and only provided multiple threatening statements and continued to harass me, I feel that that should remove this entry from my credit report based on these facts alone. The additional information that I have provided should also be taken into account when determining whether or not they have authority to report to the credit bureaus.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland mortgage violated code 15 U.S. Code 1681b - Permissible purposes of consumer reports. Midland mortgage did a soft inquiry on my credit report XX/XX/XXXX. I did not owe a debt to them at this time and I never authorized any written permission for this debt collector to pull my credit report. On my transunion credit, it shows a soft inquiry. Its listed as MIDLAND CREDIT MANAGEMENT Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Re : Case # : XXXX Dear XXXX XXXX XXXX In respose to your letter today XX/XX/XXXX XXXX please be advise that the last 4 of my SSN are correct to start with. I did not provide the XXXX, the representative asked me for my phone number and I provided XXXX, Both of the account that you have on file were the result of Identity theft I made that very clear to the representative on the phone. I sent a letter to compliance via certified mail XXXX to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Enclosed was a Id Theft affidavit and Copy of the police report as well as copy of my DL. In this complaint is attach the letters from the original creditor statement that they agree that the account indeed were the resualt of Id Theft. I am not gooing backk and forth with MCM next step is retaining an attorney and filing a suite for willful non compliance. This is an official notice of my intent to file federal law suit. Your company has 7 days from this complaint to delet this account XXXX. XXXX XXXX. XXXX.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In late of XXXX, I received the Court Order regarding to the debt of {$1100.00} that I did not pay. I went to court and explained to the Judge that I have never open the account with that company and I have never lived in the address listed on the Credit Card Statement. I want to dispute the debt amount because I did not owe that amount. The credit card company sent me the package asked me to file complain with FTC.GOV and send the evidence of this complain, they will reinvestigate their records before they can dispute that amount.
Company Response:
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. On XXXX XXXX I submitted a dispute to XXXX regarding the account XXXX with MIDLAND CREDIT MANAGEMENT in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. Thank you for your immediate attention to this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX XXXX XXXX notified the XXXX via a 1099 C that the debt was cancelled and I paid the IRS for the additional tax liability. In XXXX of XXXX I filed XXXX XXXX Bankruptcy in US Bankruptcy Court for the XXXX XXXX of Pennsylvania case number XXXX or about XX/XX/XXXX, Midland Credit filed a claim for {$10000.00} only using a public copy of a judgement that was entered in the Court of Common Pleas, XXXX XXXX, Pennsylvania that was entered in XXXX but never recertified as required b y law for continued collection. On XX/XX/XXXX Midland Credit Management was paid {$10000.00} which they was not authorized by law or their alleged client XXXX XXXX. Additionally, on XX/XX/XXXX I called Midland Credit Management and spoke with XXXX XXXX who stated they did not any documentation and they are required to provide proof of the debt, then stated I needed to speak to the bankruptcy department but they are not available.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A