Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Information Was Used To Obtain A Credit Card From XXXX XXXX Bank without my Authorization. I've never had any account with this company!
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This Debt collection agency has continued to report erroneous information on my consumer profile since XXXX of XXXX. I have written multiple letters to them as well as the Original Creditor regarding the dispution of this debt ( See Attachments ). I never authorized an account with the original creditor be opened in my name in the first place. The original account has been in a charge-off status for months, and now Midland credit Collection agency is claiming I owe them a debt of over XXXX XXXX Their negligence to fully investigate this matter and validate this alleged debt before placing this on my report has drastically damaged my consumer profile. This is Libel. Furthermore, the collection agency has violated my consumer rights under the FCRA by failing to report my account as disputed dispite their several written notices of my dispute. I have received multiple notices that my personal information has been involved in data breaches ( See attached document ). I have been working fiercely to clear my name of unauthorized accounts and any associated transactions. I have filed a claim regarding this matter with the Federal Trade Commission ( See Attached documents ). This collection needs to be removed from my credit profile immediately.
Company Response:
State: IL
Zip: 616XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit Management contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I also received a summons for this debt to the local court house with documents that were heavily redacted attached to include the loan amounts, account number, and even the signature line redacted so that I couldn't see if it was even a real debt. I couldn't even call to ask about the debt because there account numbers are redacted. There is no wet signature or any verification of this alleged debt. I have never received a validation of this debt or any notice of debt from Midland Credit Management nor have I ever heard of this debt collection company. I have never been provided any change to dispute these two alleged debts due in the amount of {$730.00} and {$490.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the Area Aging Agency in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent the attached hardship letter when I first received their debt letter on XX/XX/XXXX. The original letter said that I could pay {$25.00} every 2 weeks but when I logged onto their website to make these arrangements it was not an option so I sent the attached online correspondence asking to set up these arrangements. Then after reviewing the letter more closely, I saw that the original creditor closed the account without my knowledge after making a payment, so I asked XXXX to send me original documents with my signature on XX/XX/XXXX. I never heard back until XX/XX/XXXX, when I received a letter from " Midland Credit Management Legal Collections Department '' stating that I had to make payment in full or they were suing me. So how can they sue me when they are the ones that failed to respond?
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled a copy of my credit report on XX/XX/2023, and the alleged debts are not listed on my credit reports. This company is trying to collect a debt that I do not owe.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was denied housing and will now be homeless due to a collection account placed on my credit report. I attempted to contact XXXX XXXXXXXX XXXX whom informed me that had no record of the account in collection. I was then told to contact XXXX XXXX XXXX who then informed me that the account was currently with a low firm. I explained to them account was paid in full with the law firm and needed a letter to verify the debt was paid to secure a place to live. Midland credit company was an unable to provide me a letter stating that the debt was paid.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was sick at the time the account was open. someone who was living there at the time stole my information and open serval accounts under my name i have no knowledge of the accounts including the bank account that was made under my name. i would love to have this removed. MIDLAND CREDIT MANAGEMENT XXXX
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A