Date Received: 2023-07-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Multiple phone calls a day several times a week. They also text me even after I texted STOP.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: l asked the credit bureau to do a verification of my credit report of identify theft and they stated everything was accurate, but I did my own thorough research myself, and found improper inaccuracies on the credit report even after they did the research. XXXX XXXX XXXX. Complaint ID : XXXX XXXX Midland Credit Management. Complaint ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I opened a credit card in XXXX. Since then, it was charged off to Midland Credit Managament. Someone responsible in collecting the debt in this company attempted to contact me via phone in XXXX of XXXX. I told them that at that time I could not pay the amount in full when they offered, but that I would get with my husband about what we could afford and call them back when I could ( as I have been unemployed since due to high risk XXXX and having to stay home with my child-meaning no source of income ). They called back the very next day without waiting for me to contact them first, when I answered they were forceful in stating the only options available to me and asking over and over again if I had spoken to my husband about it. I told them that I had not spoke to my husband yet, and am aware this will affect my credit but I dont have many options at the time. They continued to call consistently for up to 3 days after this second phone conversation and leave voicemails. They mailed things to me as well at my home address regarding the charge off, and put on paper what my options were then. I already stated to them that I would get back with them and they did not allow me the time. My circumstances have not changed since then and they are attempting to sue me for the full amount plus court fees. I also attempted to contact them back via mail after being served by the magistrate court and they refused to respond to any of my solutions or offers.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Midland Credit Management I am writing this letter in response to the phone call/letter received from you on ( XX/XX/2021 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, XXXX XXXX
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have noticed an account on my credit from midland funding that is a direct result of identity theft. the account is from a credit card that I never owned associated with my name and social security number. I have filed a report with the FTC regarding this ( FTC Report number : XXXX ) The credit card associated with this midland funding debt is from XXXX XXXX. I have sent multiple letters to midland funding informing them that I did not live at the address associated with this account and have requested multiple times that this account be removed from my credit report. Not only has the account remained but they continue INCREASING THE BALANCE on the account associated with this fraudulent debt.
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-07-11
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: I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management - I've repeatedly asked that this debt be removed from all credit agencies, as I do not know of this account. They continue to report and defame my name and credit worthiness causing serious personal harm.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I conttes these companies on multiple occasions and informed them on my identity being stolen yet they keep trying to make me pay this debt even repeatedly offering payment plans
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written this company every month beginning XXXX XXXX XXXX explaining to them that this account does not belong to me. I requested that they provide the original contract with my wet signature and date and terms ; but I have not received it as of this date-XXXX. I discover through research that they arent authorized to collect in the state of Florida.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A