Date Received: 2023-07-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted by MCM credit Management by phone and I ask them to verify the debt in thirty days.Aldo not to contact me again. MCM has started sending mail threatening me with legal action against me.I want this to stop if not I want legal action against them for continuing to send mail with threats to take legal action.This is a third party debt collector.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 15 use 1681. Contract laws and consumer 's rights to be left alone on a debt that I don't owe Midland Credit Management. I have no contract with them and have received letters and emails threatening me with attorneys. Under fair credit act they need to stop harassing me with emails and pay me XXXX dollars a day for reporting fraudulent claims on my credit report.
Company Response:
State: ID
Zip: 83402
Submitted Via: Web
Date Sent: 2023-07-10
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 is not yours
Consumer Complaint: Per the FCRA, as a federally protected consumer, I am exercising my right to opt out of ANY AND ALL AUTHERIZATION, I THE CONSUMER MAY HAVE GIVEN YOU written, unwritten, verbal, or non-verbal per 15 USC 6802. Failure to comply is a direct violation of federal law. Under 15 USC 6801- Protection of nonpublic personal information ( a ) Privacy obligation policy 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. The law defines nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. Per the FCRA as a federally protected consumer I have opted out of any and all authorization whether it be written, unwritten, verbal, or nonverbal. Once again, I am exercising my right to opt out when it comes to the communications between my credit furnishers and any credit reporting agency, in accordance to 16 CFR 313, which grants consumers the right to opt-out of certain information-sharing practices. This means that individuals have the choice to restrict the sharing of their financial information with certain third parties. Further more as stated, I have opted out of any and all authorization per 15 USC 6802 from the reporting of this account. Your own Privacy Policy states that you do not share Customer Information with non-affiliated third parties. Additionally, you are attempting to collect a debt that you have no legal right to collect. To legally collect a debt you need to be in possession of the Promissory Note/ Retail Installment Agreement with my ink signature, and the UCC-1 Financial Statement. This is called a Perfected Lien. There needs to be a UCC-1 filed in my state. This account was Charged/Off which is a cancellation of debt, also known as a Certificate of Indebtedness, which is now considered income. Income can not be included on a consumer report. This account is now in dispute and needs to be removed from consumer report, as no collection activity can be conducted while in dispute. Thank You
Company Response:
State: OH
Zip: 44146
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: Information belongs to someone else
Consumer Complaint: I mailed the following letter to Midland Funding and have not yet received a response. Please see correspondance below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received contains a series of items that should not be on my profile. The account in question are listed below. Please send me a copy of the signed contract I have with you to do business. Please send me complete documents that you used to calculate any and all amounts you say that I owe you. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my credit worthiness. Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. MIDLAND CREDIT MANAGEMENT OPENED XXXX {$1000.00} XXXX XXXX XXXX Thank you for your cooperation in and prompt response in resolving this matter. XXXX XXXX
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management attempting to collect debt they claim was sold to them by XXXX. XXXX states they never sell debt and the debt was forgiven XX/XX/2023 as identity theft by XXXX XXXX.
Company Response:
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit has repeatedly stated for the past XXXX years that they were trying to collect a debt on behalf of XXXX They also have done the same thing for an account previously owned by XXXX XXXX... This is not only NOT true, But a Lie... They said on multiple occasions that the Creditor would not approve my offer to settle for less than what is owed. I explained my hardship over and over. I am also in the state of Nevada, the statute of limitations to collect credit card debt is XXXX years. That starts from when the XXXX payment was missed which was before XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, Maitland Credit management company received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland credit bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this company has been attempting to collect a debt not owed by me to them.I have no knowledge of this company or he they are as I've never had a contract of any sort with this company.They are in violation of 15 usc 1692c, d, e, f, and g.If said company is owed I would like a accounting information under ucc law request for accounting, request for said collateral in which a debt as been established by me and said company. Any statements from anyone else or from in which they purchased is not a wet signatured contract or a collateral for which a debt can be established, Midland Credit Management is in violation of of the FDCPA and ucc federal law.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: in accordance with the fair credit reporting act convergent account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose dATE REPORTED XX/XX/2023 ORIGINAL LENDER XXXX {$9300.00}
Company Response:
State: MI
Zip: 48602
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A