Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive sent servel letters to this creditor and they have not yet to follow you guys rules. XX/XX/2022 MIDLANDAND CREDIT MANAGEM {$850.00}
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt in collection {$2600.00} and I am not responsible for this debt I did not authorize no one to use my personal information to get a credit card. I have XXXX XXXX and the credit bureau told me the account is not in my credit report.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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've already submitted my police report on the fraudulent accounts to be Removed
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX, Midland Credit Management, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management calls me on a daily basis about XXXX times. In addition, as soon as I pick up the use my husbands name, which is XXXX.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management calls me 3-5 times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2023 Midland Credit called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I filed a ceased letter on XX/XX/XXXX with Midland Credit Management, XXXX and after that letter I keep getting threatening letters, with the most recent on XX/XX/XXXX.
Company Response:
State: KS
Zip: 661XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A