Date Received: 2023-06-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Midland Credit Management continues to relentlessly pursue me regarding a debt from 2016 as best as I can determine. They filed a complaint with XXXX Ohio XXXX Court, and continue to demand that I answer " interrogatories. '' Midland says this debt is mine, but I have not paid any credit card debt since 2016 when I lost 50 % of my income. I can not afford bankruptcy court or to be represented by a lawyer. I am poor. I am a XXXX XXXX XXXX XXXX who relies on SNAP for food and HEAP for utilities. I have no assets. I rent and live a simple life. Midland Credit Management pursues the poor in a predatory manner. I filed with XXXX credit that this debt was not mine in 2016. I have no means to challenge them. These letters and phone calls come from : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE XXXX
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have previously had account with XXXX since XXXX always paid my bill never had any issues. I have received a bill for over XXXX stating I owe this amount these purchases was made in XXXX I haven't made a purchase since XXXX. I called the company explaining to them the charges wasn't mine I never made them, I don't know who did them. I don't have any of the merchandise they claimed I purchased. I have had my identity stolen before and it has been reported. The company has sent this debt to collections and its damaging my credit, I have disputed this debt with the credit bureaus directly and nothing is getting done.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}. I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor. This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports. According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application. This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was contacted about a debt from Midland Management Credit Inc. by letter in XX/XX/XXXX. I asked for validation of the debt from Midlands Head of Compliance and received nothing from Midland. On XX/XX/XXXX I received a letter from XXXX XXXX saying that Midland had sold the Debt to XXXX XXXX XXXX. In XX/XX/XXXX I learned a lawsuit was filed against me by the Agent of Midland XXXX XXXX XXXX XXXX XXXX XXXX. in The XXXX XXXX of Maryland in XXXX XXXX. I responded to the suit with an intentuion to defend as well as a counterclaim for violations of the FDCPA. The suit filed by the Agent of the Debt buyer violates a Consent Order that the debt buyer Midland Credit entered into with the CFPB in XXXX and a XXXX XXXX Midland had entered into with the State of Maryland in XXXX. Both Consent orders are also binding on the XXXX of Midland. Almost everything Midland agreed to cease and desist from doing in both Consent Orders they committed once again by filing a law suit against me. I mailed a letter to the Secretary of Enforcement of the CFPB to advise enforcement Midland was still violating the CFPB XXXX Order I emailed a copy as well and received an email advising me to file a complaint on the CFPB website. Midlands Agent used an affidavit in support of judgement in the complaint they filed against me that was signed under the penalty of perjury by a XXXX XXXX who identified herself only as a " XXXX XXXX '' that was employed XXXX XXXX. CXXXX XXXX Upon investing I found that XXXX XXXX was a company officer of Midland Funding LLC a sister company to Midland Credit Management. Midland Funding LLC is a shell company that purchases debt and then gives it to Midland Credit Management to collect I also found out XXXX XXXX was an employee of Midland Credit Management Inc as a Legal XXXX all of which XXXX XXXX failed to disclose in the affidavit. XXXX XXXX also failed to disclose she was a stockholder that would benefit from any judgement obtained against me. Midland Credit along with their Agent have filed these very same lawsuits across the State of Maryland in various Courts obtaining hundreds and hundreds of judgements against Maryland XXXX all with false affidavits and business records they create. In the words of XXXX XXXX in her affidavit in support of judgement they buy the debts of the original creditor and without certification roll them into the records of Midland Credit Management for the purpose of altering them and giving them a control number and coordinating that control number with the XXXX XXXX XXXX they receive from the original creditor. They then print the records out and send them to XXXX of their Agents to file suit. XXXX which they agreed to cease and desist and all of which they are continuing to do. Midland Credit Management has no respect whatsoever for XXXX or XXXX laws. They pay out millions in fines and voluntarily enter into XXXX and State Consent Orders and copntinue to do exactly what they said they would cease and desist doing. I am hoping the XXXX of XXXX for the CFPB will read my letter with attached exhibits and put an end to this madness orf picking consumers pockets. I also filed a complaint with the Commissioner of Finance in Maryland advising him Midland was violating the Maryland Consent Order against them and he also has opened an investigation into the matter.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have told this company to send into writing to send over a copy of my signature dealing with them and they have failure to do so. They hav an address I have not used because its my moms address. I have also told them this was identity theft and they in turn told me I was a part of it and XXXX from it. I get class from XXXX and XXXX repeatedly asking to speak with me. They do not have paperwork with my signature on it and nor have I ever done business with this company and would like them to stop trying to contact me cause now its harassment. I also sent them over the police report about the identity theft and they refuse to stop bothering me. Please HELP
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: MCM Or Midland credit management sent me information about collecting a debt I made one payment however the email provided to me by MCM states that if I default my new payment amount will be If you default on your payment plan, this agreement will be void and the full balance will be {$380.00}. However on my XXXX and XXXX they have reported I owe {$380.00}. This is wrong and incorrect information.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This is to inform the CFPB of a company by the name of XXXX XXXX XXXX that is treating the consumer to share this information with Midland funding in order to collect a debt I have addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXX has He's threatening to sell my information this is a violation and a breach of contract the company has dishonor by not accepting EXEMPTION XXXX XXXX XXXX needs to stop threatening to collect the debt the descriptions are in the PDF file provided by the consumer on this portal thank you
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit Mngmt XXXX XXXX XXXX. XXXX XXXXXXXX sold their debt to Midland Credit Mngmt and is suing me in Court for incorrect payment owed. In addition, President Biden is passing law to change late fees to {$8.00}.
Company Response:
State: FL
Zip: 32778
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A