Date Received: 2023-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed information Midland Credit Management on this account several times and the company has never sent any documentation of the alleged debt information to my address validating the amount owed. I also disputed it with XXXX and they denied the bureaus request. In XXXXXXXX 2022 several phone calls were placed to alleged creditor XXXX XXXX XXXX with the correct amount owed, however company refused to send original documents including a signature where I agreed to pay them for any debts owed. The account was sold to another company without my knowledge permission or agreement where it accrued daily interest, again alleged creditor was asked to confirm amount owed but refused to send letter ( I am unsure of which company the account was sold to, it was closed by original creditor and sold to another bank ). Account was sent into collections in XX/XX/XXXX 2022, no letters were received via mail about the account and the balance reflected on original credit file was XXXX . In XXXX 2022 I was living in another state and another location. I was never sent a letter from the creditors about my account.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 the letter is dated but I received it on XX/XX/2023 via mail which I disputed. On XX/XX/2023 I received a letter in the mail after disputing the account online with the XXXX credit bureaus. After the dispute I have received XXXX letters from Midland Credit Management and numerous calls ( which I dont answer ). Midland has sent XXXX different letters with XXXX different account numbers which are not matching any of my records nor is on my credit report. The accounts are not mines. I do not owe a debt that is not mine nor reporting to my consumer reports. I also looked up Midland credit management XXXX ID number which is not authorized in my state of residence to collect anything. Inaccurate XXXX info results in a direct violation of the XXXX XXXX, which is something i have been noticing.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received a summons to appear in court regarding a civil lawsuit that Midland Credit filed against me. I was given 30 days to produce supporting documentation to states reasons why I did not owe the alleged debt. I submitted the documentation to Magistrate within the 30 days. On the day of the trial, I showed up to sign into court and was told that the case had been dropped. I asked why and by whom, and was told that the case was no longer on their records and that Midland did not want to continue and dropped the suit. The Original amount of the alleged debt was {$1200.00}. The court cost of Midland filing the suit was XXXX. Not only have the continued to keep a debt that I do not owe on my credit profile, they have also added the court cost of the suit that they filed and dropped as well. This debt is showing as open and past due as of XXXX XXXX XXXX account in the amount of {$1300.00}. In the documentation I submitted in XXXX of XXXX, It also stated the alleged debt from my credit reports if the debt was not mine. I have also attached the documentation from the suit as well as the most recent credit report from XXXX.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: In mid-to-late XXXX I received a letter ( see attached ) in the mail from Midland Credit Management stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted Midland Funding Management to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a nurse at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at www.midlandcredit.com to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX. After entering into the agreement and making a payment I received nothing in writing. I called an account manager at Midland Credit 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that Midland credit was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action. My complaint is that Midland Funding uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received repeated calls from the Midland Credit Management, and each time I've informed them that I do not wish to be contacted by phone, only through written correspondence. On XX/XX/2023 I received five calls from them as of XXXX XXXX. On the last call, the agent used a blocked number and claimed to be calling from the " Treasury Department '' and it sounded like she was trying to use a different voice.
Company Response:
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Before XX/XX/2023, Midland Credit Management send via XXXX a letter pertaining to a debt they purchased and offered to accept {$50.00} biweekly payments to pay of this debt. The letter states that the offer must be responded to within 15 days of the dated letter. This letter is dated XX/XX/2023. It however was received on XX/XX/2023. This would require a response within 3 days of receipt in order to be able to comply. This tactic is abusive to the consumer and does not provide sufficient time for the consumer to weigh the options and to properly budget for this payment into their routine. To demand a response within 15 days of the date of the letter, but to withhold it from immediately being sent to the consumer appears to be a common issue I personally have experienced as other letter which do not have direct tracking, have been received nearly an entire month after the date of the letter. These can however be verified with USPS informed delivery as daily emails are received with images of what is expected to be delivered that day. Several communications from Midland Credit can be proven to have been received by more than 21 days after the date of the letter, and after the stipulated " respond by '' date stated in the letter. This violates the rules and regulations set by federal lawmakers on the practices of debt collection and is a tactic that should be addressed immediately.
Company Response:
State: FL
Zip: 33905
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of credit
Company Response:
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland credit obtained a debt from another credit company! Midland credit management also has obtained my social security and other personal information of me and is posting it online the debt from midland is account number XXXX! My debt was sold and personal information with out my written permission or knowledge In accordance with the fair credit report act, conversion act has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c section 604A section 2 it also state consumer reporting agency can not furnish a account without written instruction
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction-Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. 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,
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: These were credit cards and even though they have been written off they were sold to collection agencies which is against the law. I want them removed.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A