Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent this letter to Midland Credit Management XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX XXXXXXXX it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. XXXX companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Midland Credit Management XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX and Midland Credit Management XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave Midland Credit Management XXXX XXXX Any of my information it was SOLD to you by XXXX XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXXXXXX XXXX law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to Midland Credit Management , Inc . I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, Midland Credit Management , Inc . Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the XXXX XXXX XXXX XXXX XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the XXXX XXXX states it is Income. Since this account was XXXX cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by Midland Credit Management , Inc . I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. If Midland Credit Management XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$XXXX} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: After giving XXXX cease and desist orders, XXXX verbal and XXXX written sent by certified mail, they continue to contact me and sent me another pre-legal notice. I had told them that this is not my debt multiple times and that I am in a hardship and am not able to pay. I have researched this company and they have a very checkered past. I had requested them multiple times to get this off of my credit report. This supposed debt was supposedly charged off in XXXX. I have never had a XXXX XXXX Credit Card and I have no intention to pay a debt I do not owe. I would like them to cease and desist once and for all. I have also warned them that if they go ahead and sue me, I will file a complaint against their attorney with the proper disciplinary authorities to get attorneys suspended in the State of Indiana. I also plan to contact Indiana 's Secretary of State to pull their articles of incorporation in Indiana and to Indiana State Attorney General, XXXX XXXX, if they do not cease and desist. I feel it's that the CFPB start take action against this shady company and to leave me alone.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid XXXX XXXX in a debt validation program {$450.00} from XXXX to XXXX to get rid of XXXX XXXX XXXX XXXX of a they were in communication with me for XXXX years I never heard anything from any creditors until now i received acollection letter from Midland credit management from XXXX XXXX that i owe {$1600.00} from XXXX and i can not locate XXXX XXXX they have gone out of business I paid over XXXX for there service.
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disputed the amount on my credit report several times by Midland Credit Management by all XXXX Credit Bureaus the last time I disputed over the phone with XXXX was on XX/XX/XXXX XXXX and I told them the issue and that every time I dispute this collection Midland increase the amount they claim I owe by {$1.00} then a few after that it decrease and I fill like thats unfair practices because it affects my credit score.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was notified by XXXX XXXX courts I was sued by XXXX XXXX XXXX for a credit card debt that was not on my credit report, I have no knowledge of this debt and they froze my chase account and took XXXX. I went over my credit report and this account was charged off in XXXX. It's over the XXXX year debt and it's violations of my consumer rights. When I called the attorney XXXXXXXX XXXX XXXX I was told I should have showed up to court and got hung on. I called back and tried to tell the office they have the wrong person and was told they do investigate and its my debt. I never heard of midlanding funding LLC. I tried calling there company was giving the run around In the last XXXX years I have been battling XXXX and was in and out of the hospital. They took my whole XXXX check, and left me with nothing. I requesting my money back in the amount of XXXX How can you sue someone for debt that never appeared on your credit report or charged off. This is the paperwork I received in the mail after I called and called each company.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Date account opened on my report from XXXX cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly XXXX sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like XXXX to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. XXXX the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and XXXX still showing good standing and closed due to inactivity is beyond me
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am a XXXX XXXX, who is going through financial hardships, The amount reported to collection is {$1700.00}, as it was opened XX/XX/2022. I have reached out to the company to resolve the situation but we could not reach a resolution.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I called XXXX XXXX XXXX and spoke with someone on XXXX about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/ I get this certified letter from them about they will sue me if I dont pay it
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I called Midland Credit Management and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/2023 I get this certified letter from them about they will sue me if I dont pay it
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After loosing my wallet at the end of XXXX with all my identity cards such as drivers license, social security card, credit cards, debit cards and residency card inside of it, I had a lot of hard inquiries and credit card showing up under my name. I contact those companies to try and cancel them but they wouldnt help me at all, I even filled dispute over them all but there still wasnt removed. I just learnt from a coworker about this website that might be able to help me clear them up. I am giving another try. Thanks for your assistance. Collections and charge offs are listed below. -Midland credit management {$630.00} and {$3500.00} -NCA {$970.00}
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A