Date Received: 2023-05-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was not aware of this charge until I opened my credit report to check for something else not related. I have no knowledge of this card being open in XX/XX/2020 from XXXX XXXX XXXX for the amount of {$640.00} I have disputed this charge.
Company Response:
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I found out the Midland Credit Management is suing me for unpaid debt. I do not know anything about this but I feel there are violating my rights. XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act { FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1 681 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. Delete this account immediately, unless you want to be held {$1000.00} per violation.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It has come to my attention that these accounts and information are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist on their immediate deletion from my consumer report, as their presence is in clear violation of multiple laws. I urge you to take prompt action and remove these accounts and information without delay.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have two opened accounts in collections both of them are wrong and are affecting my credit score : XXXX-MIDLAND CREDIT {$300.00} XXXX XXXX {$560.00} This creditors are calling me everyday and this accounts shouldnt be on my credit report. Im reporting them as fraud.
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a formal complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : Midland Credit Management acquired a debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to Midland Credit Management, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Midland Credit Management, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. XXXX. Cease Collection Efforts : I demand that Midland Credit Management immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. XXXX. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that Midland Credit Management rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my XXXX credit report there is an account from midland credit that is not mine. I call midland credit, and they had information that was not mine. Wrong address and a similar name but not my full name XXXX XXXX XXXX XXXX. The way it Shoubein on all contacts that I sign.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was notified by my employer that a debt was going to be collected from my pay check. I spoke to the debt agency and stated that the account that was being collected was not under my name. It was false identification.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and Midland Credit, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. I will lose my job if I dont have my security clearance restored. I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. Please advise who I can call to resolve this. Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX the original creditors, of these debt collection agencies were made aware that the accounts were fraudulent due to identity theft. They were open and used without my knowledge. Once I found out about them I made a police report, as well as an FTC report. The original creditors stopped trying to collect the debt after they were made aware of this through the credit bureaus as well as me, providing them with a police report and an FTC report. These Debt collection agencies seek to collect the debt that was originally discharged as identity theft. As of XX/XX/XXXX, these debt collection agencies have also been made aware of the identity theft, and have been provided with the supporting documents.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I called midland to discuss the debt, they cant pull-up debts information using my phone number, when gave them my number they asked me if Im someone else, I think this midland account is not belong to my name
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A