Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX was a fraud account when my identity was stolen and it was removed. Now the reporting agencies continue to report this unknown account to my credit report under different names and dropping my XXXX XXXX points each time! This is a fraud account, please make them stop! It is affecting my life! Now they call themselves Midland Management.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX charged off accounts and refuse to send a charge off letter. I spoke to them and they put me on hold and pass me to several people before hanging up. Before the hung up they said we dont have your account in the system, however, they had all account information including my social date of birth and address. They have created a product of my personal information and have began to sell it to multiple debt buyers like XXXX and XXXX. I had XXXX closed, however XXXX XXXX is enslaving me by holding my credit reporting XXXX, stealing my freedom in credit, after being fully credited. They do not want me to have what is lawfully mines, a XXXX and a charge off letter. I spoke with the company and they admitted they never sent a charge off letter, when the accounts were charged off last year. They have not deleted my personal information but instead are selling it to the highest bidder. Even though these accounts were fully credited, seek to be re-credited over and over again. Using the power of a large XXXX, they have deceptively used my personal information as a product of their company. They have never provided a signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX, they have not validated the debt.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at XXXX for earrings. I did have a XXXX credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the XXXX but all they sent was a statement.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted the company several times to make right on what they said they would do as far as deleting this account after it was paid however, they refuse to update the account as paid and wont assist with me talking to a manager. I have proof through information they sent me the debt was satisfied and would be sent for deletion however I've been hung up on a yelled at.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX, XXXX XXXX XXXX XXXX XXXX, Representing Midland Credit Management had filed a suit against me regarding XXXX accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. XXXX, XXXX XXXX XXXX, XXXX has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company purchased this debt from another collection agency and has repeatedly changed the amount on my credit report. Every single month the update the account as if the debt is new or as if there was communication. This debt is XXXX yrs old.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Improper use of my credit report
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A debt collector is trying to collect on a account I never opened.
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I do not owe this debt. I communicated this numerous times to all parties.
Company Response:
State: OH
Zip: 45365
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A