Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: i have received 77 phone calls and subsequent robo voicemails from XXXX XXXX XXXX since XX/XX/2022. I have repeatedly told them to stop contacting me to no avail. they are now threatening " legal action. ''
Company Response:
State: MD
Zip: 21502
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not have an account with Midland Credit Management. I demand this be removed from my credit report.
Company Response:
State: MO
Zip: 65803
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have no knowledge of this dept. there is a court date for XX/XX/XXXX. Old debt apparently bought by a debt collector. Im a victim of identity theft XXXX XXXX had a breech & XXXX had a breech. Also they sent someone to my home and left the court notice at the door. Debt is from XXXX. Why should I have to pay for this if to a company I do not know ( Midland credit company ) discharged/wrote off the debt to a debt collector when I never signed a contract with them. Please help
Company Response:
State: FL
Zip: 33025
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 is not yours
Consumer Complaint: I am writing to file another complaint against Midland Credit Management for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against the companies. Midland Credit Management : Midland Credit Management has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report. In the absence of such evidence, I urge you to promptly remove all inaccurate or unverifiable information related to these accounts from my credit report. Furthermore, I request that Midland Credit Management ceases reporting this disputed information to any third parties immediately. Midland Credit Management has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed five acts of reporting inaccurate information to the credit bureaus regarding alleged charged-off accounts, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on XXXX XXXX Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Midland Credit Management. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Midland Credit Management cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that this is the third time I am filing a complaint against Midland Credit Management, as they have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form XXXX. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Midland Credit Management. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management have attempted to collect on a debt without validating it pursuant to federal law. They have also not responded to my cease and desist notice received XX/XX/2023 ( see attached exhibits ).
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, A collections account has been inaccurately reporting to my credit report from midland credit management since XX/XX/2021 & the balance has recently been updated the updated amount of {$2600.00}. I believe this has been negatively updated due to the CFPB breach. This is in violation of code 1680i. I kindly request the removal of this collections account from my credit report as it is adversely affecting my financial situation.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter certified mail to Midland on XX/XX/2023 to ensure that this alleged debt is accurate and legitimate. Midland received my letter certified mail on XX/XX/2023 ( green receipt attached below ). I demand Midland respond immediately and send me copies of the : 1. cardholder agreement 2. documents that validate this alleged debt 3. all account statements I'm exercising my rights under the FDCPA
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Wrote to collections showing copy of XXXX XXXX returning electronically XXXX $ to XXXX XXXX, due to a fraud on my account. XXXX XXXX XXXX, XXXX XXXX XXXX $ and finally XXXX XXXX XXXX XXXX These XXXX accounts were scammed electronically and at the time of paying XXXX XXXX my balance was XXXX XXXX They kept saying they didnt receive v that money, hmmm everyone else did. They charged late payment which it was on time, and constant this charge that charge now its up to XXXX $ XXXX? The collection agency wouldnt get them to acknowledge they received that money
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Regarding False Debt on Credit Report Dear Sir/Madam/They, I am writing to file a formal complaint against Midland Credit Management in relation to a debt that was falsely added to my credit report on XX/XX/XXXX for the amount of {$2600.00}. This inaccurate information is negatively impacting my financial history and is a clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered the erroneous debt on my credit report in early XXXX and immediately took steps to rectify the situation. I contacted Midland Credit Management and requested that they investigate the matter and remove the false debt from my credit report. However, despite my repeated attempts to contact & dispute the debt, Midland Credit Management has failed to take appropriate action and continues to report this inaccurate debt. This willful noncompliance with the FCRA laws by Midland Credit Management is highly concerning and has caused significant harm to my financial well-being. The false debt has resulted in denial of credit applications, increased interest rates, and various other negative consequences. I have attached supporting documents, including copies of my credit report highlighting the inaccurate debt and correspondence with Midland Credit Management, for your reference. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Midland Credit Management for their failure to comply with the FCRA. I am seeking the following remedies : 1. Immediate removal of the false debt from my credit report. 2. Correction of any negative impact caused by the false debt, including the adjustment of interest rates and credit scores. XXXX. Compensation for any financial losses I have incurred as a result of this false debt. 4. Imposition of appropriate penalties on Midland Credit Management for their willful noncompliance with the FCRA. I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and effectively, ensuring that justice is served. I appreciate your attention to this matter and look forward to a swift resolution. Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in resolving this issue. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A