Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My XXXX XXXX XXXX was stolen. I went to XXXXXXXX XXXX XXXX to find out if there were any tickets etc., issued to under my name and found two cases that I had no idea existed. I filed for appearance to have them removed. The XXXX of XXXX I called the number listed to find out who they were but my S.S number did match and they would not discuss the case # XXXX. On the XXXX of XX/XX/XXXX, I learned from XXXX XXXX XXXXAsset Acceptance LLC. I was informed that my taxes were garnished twice. In XXXX for {$900.00}, and in XXXX for {$1000.00}. That I have no record of nor did I know I was garnished. I was then informed that there is still an outstanding balance of {$4300.00}. I have had credit disputes in the past because there was another XXXX XXXX on the same street. Companies confused the two of in the past, such as car repo companies, XXXX XXXX XXXX etc.,. However this debt does not belong to me. I contacted the Asset Acceptance/ Midland Credit Management , Inc. but no one can tell me details, application, items purchased, type of account, Proof of Service etc. I have sent certified letters but they only send the same information I already received from 36th District Court. I would like this debt removed and my money returned.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They call me numerous times throughout the day from all different numbers they told me my debt was brought by another company which is midland credit, if I dont pay they will take me to court
Company Response:
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I wrote a letter to company asking them for proof of debt company has yet to provide proof company then got me served I responded to service. Never got a response back company was aware I was in hardship and still tired to continue. Then company garnished my checks. I do not owe this company but they are still reporting to my credit I want the, removed
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Midland Funding to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/23, I received an email from Midland Credit Management ( MCM ) stating they are a debt collector and are trying to collect on my debt for my XXXX XXXX XXXX credit card issued by XXXX XXXX. On XX/XX/23 my account was sold to MCM. On XX/XX/23, I called XXXX XXXX XXXX 's XXXX XXXX and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. XXXX XXXX would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from XXXX XXXX XXXX 's XXXX XXXX. They did not contact me prior to this account being sold to MCM even though my email address was not changed and that is how MCM contacted me. Prior to these charges, I had a XXXX balance on the credit card.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my report and found some accounts and inquires I did not authorize
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was alerted by XXXX XXXX on XX/XX/2023 that I owed {$2400.00} in collections by Midland Credit Managemen. I contacted Midland Credit Managemen and they said they knew nothing about that account and they kept telling me they would connect me to claims department and when they do the agent stated they are having difficulty from there side, they also asked me for my full social and still didn't found any charge made from there side, I called 3 times on that date stated above and I also called today XX/XX/2023, Because of that XXXX points drop from my score on XXXX XXXX, I'm frustrated and I don't know what to do
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A