Date Received: 2023-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: So several years back someone opened a XXXX XXXX credit card in my name supposedly someone used it in Ohio for XXXX dollars well I disputed it because they supposedly hit the card with several fees and maxed it out in just their charges. I asked for them to verification of there claim by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is. the duly authorized representative from their company, who has seen the Original Note and is certifying these assignments as certified copies and that their company now has the Original Note ( Credit Agreement ) under penalty of perjury diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. They couldn't provide anything. So I disputed it with CFPB and it disappeared you guys resolved it. So over the past few years This Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX kept popping up on my credit report claiming they are collecting the debt for XXXX XXXX I disputed it with all three credit bureaus asking them to remove it because this company is fraudulently collecting on a debt that was not mine about 2 years ago they popped back up on my credit report I disputed it again now they are publishing I owe them money on a debt that was proven not to be my several years ago The credit bureaus in full Knowledge of this are still allowing them to publish the debt I asked them to prove it is my debt Not my name not my social but buy the original not or deed or novation or at least by my original signature signed in blue ink and they have failed to do so.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer reports as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.
Company Response:
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I received a bill in the mail from Midland Credit Management ( MCM ), a debt collection company. The bill states that an account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my name. The bill in the amount of {$730.00} defaulted on XX/XX/XXXX and was sent to MCM on XX/XX/XXXX. I called MCM on XX/XX/XXXX and informed them that this account is fraudulent. They told me they would mail the information they have on the account to me. They also told me that once I look over this information, I should call them back to continue the process of disputing the debt ( which I plan on doing today ). On XX/XX/XXXX, I received the information they mailed me on the account. The documents state that the account was opened in my name on XX/XX/XXXX. The item that was purchased with the account is described as a grey dresser. The person who opened the account provided an address in Florida and an email address. I immediately recognized that this person resides in the same state where identity theft has happened to me in the past. On XX/XX/XXXX, an individual used a fake drivers license with my name and address on it to attempt to take out an auto loan. I immediately reported this incident to the company and local authorities. I was advised to freeze my credit on all 3 credit bureaus, which I did. In XXXX, XXXX, I needed to unfreeze my credit for a credit check for an apartment rental. Upon doing this, I started seeing several credit inquiries from Florida. I notified the credit bureaus and froze my credit once again. My credit has been frozen since XX/XX/XXXX. This current incident was done without pulling my credit. This individual used my name and social security number to open the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been receiving a collections letter for a credit card that was opened under my name in XXXX. It was used to make several purchases such as XXXX 's, XX/XX/XXXX and to purchase coins. I never opened this account and have never been associated with the address of XXXX XXXX XXXX, XXXX, XXXX XXXX. I would like to report this as fraud.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This company repeatedly harassed me for years then sued me. The only way I found out about lawsuit is because I started to receive notices from lawyers in the mail and checked states local court records. AFTER responding to them by court they had someone to come to my house to deliver documents because in my response I advised I was not notified. After my response I still received harassing calls for payment although we were in litigation. The state was going to dismiss their case due to no response from midland and the day before set to expire they filed a response and sent by mail which I did not receive until AFTER court day. So of course by default they won suit. I have called several times these people make it so difficult to setup payments representatives are argumentative. I call to setup up payment arrangements set to be paid in full by XX/XX/23. I was advised I could not set up any arrangements but they would rather garnish my wages unless paid in full which of course would RESULT IN ME PAYING MORE INTEREST. I give in and make the payment and they refuse to provide a receipt. Stating they will send a letter in 10 days but will not give me any proof of a XXXX payment I made!!!!!! so after YEARS of harassing me and I finally give in CANT even have confirmation of the payment for my records.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Your company is reporting three accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. Please remove this from my credit report so I can start possibly rebuilding my credit and life. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I found Midland Credit Management reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per Midland. They told me to call Midland directly at the number listed on credit report ( see attached item # 1 ). Midland told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to Midland Credit Management., to call them again. I called Midland again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am submitting another complaint in order to get the report from the FTC sent to the company to have the collection removed per their request
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was a victim who had an credit account opened in my name, the account went to collections, I wanted it off of my report so i made a few payments till i learned i was allowed to dispute it when i was never told i could. Ive disputed to account many of times & most recently was told i cant dispute it unless i file for fraud. The account case worker i have has made me seem very XXXX
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A