Date Received: 2023-07-12
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I was recently contacted by Midland Credit Management about a past due debt charged off by XXXX XXXX. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called XXXX and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. Alleged debt owed : {$1600.00} MCM Acct # : XXXX XXXX Acct # : last XXXX : XXXX
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX sent Midland Credit Management a 2nd dispute letter stating this account below is not mines, they are mistaking my identity. For one I am XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX, thats a violation it self. I got the reply from you guys recently and I think I need to make myself more clear.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A DEBT THAT IS NO LONGER VALID, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have to accounts opened within 30 days of each other XXXX. XXXX XXXX ( XXXX with Midland Credit Management ) # XXXX XXXX. XXXX XXXX ( Currently with Midland Credit Management ) # XXXX I have disputed the collections since I have ( to my knowledge ever opened these accounts ) i am in the process of buying a home and i am taking the actions needed to document these accounts that i do not agree with
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling my phone and asking for people XXXX XXXX knows debt. When Ive told them multiple times I dont know these people and to stop calling but the keep calling from different numbers trying to make me pay it.
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I believe the information on the Midland credit management account to be incorrect, I never had an account with XXXX, and i have never Owed a balance of {$510.00}. i am not sure or aware of XXXX 's debt of {$510.00}. I am requesting a copy of the original contract of this account with all payments made to the original account to make sure this account is truly reflecting its true balance. Also, i have previously contacted midland credit management that i refuse to pay this debt and to stop all collection attempts. they failed to comply and attempted to collect the debt when i called them on Wednesday, XX/XX/XXXX violating my consumer protection rights and violating the FDCPA. since i have not received what i have requested it made me believe that the accounts may not belong to me. I repeat that i have never had a contract with XXXX or never have i had a debt of {$510.00}, This it is believed to be false information and a violation to 15 usc 1692e. I can not tolerate these violations and these accounts that I do not recognize to be reported into my credit file. This complaint serves as a formal declaration of my refusal to pay this inaccurate debt that midland credit management claim i owe and i demand that midland credit cease communication with me unless to report the closure of the account they claim i owe. I intend to take legal action if these violations are continued.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received 3 emails from Midland Credit Management regarding pre-legal action that will be taken against me for debts. On XX/XX/XXXX, I sent 3 letters via certified mail with a return receipts. Each letter stated the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court. Sincerely, XXXX XXXX I would also like to make it known that I did not use my signature to sign the letters that were sent to them. I typed my name on each letter.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, I, XXXX XXXX, demands arbitration with Midland Credit Management according to the card holder agreement from XXXX XXXX XXXX and XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Case law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ). Re : Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A