Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After further investigation XXXX XXXX XXXX has my XXXX balance on their computer screen which they will not send to me. My account was close XX/XX/1921 and sold XX/XX/1921 to Midland credit management. I asked for proof of the balance and I've disputed this six or seven times and the balance is still inaccurate and I do not want to update it on my credit report so I wanted to delete it if inaccurate. The IRS paid off my debt with XXXX XXXX XXXX therefore a 1099-C And no company can have a balance of my personal information my balance should be XXXX. By your standards CFPB Midland credit Management should be fined and XXXX should be fine for putting not 100 % accuracy on the credit report.. I would like to delete it off my three credit reports if inaccurate not update.and XXXX should be accountable for not having 100 % accurate information on report that there abiding by CFPB laws.they investigated and it's accurate. In other words that's a lie .Do not update my credit report. delete inaccurate information from my credit report.
Company Response:
State: CA
Zip: 92553
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I received an order to exempt my income from a Midland Funding LLC. I never heard of this company nor did I receive any information about coming to court. I have no knowledge of the account they say I have with their company or companies
Company Response:
State: MI
Zip: 48141
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am reporting a collection agency that appears to my credit report. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about a debt that does not belong to me. A debt collector is not allowed to harass me. No data is validating the alleged debt and I never had any debt from credit one that was the original creditor. The collection agency is not even licensed in the state of Michigan that is posted as the address of the debt collector. The problem is that this debt collector posted this frigolus and bogus debt to all XXXX reporting agencies. Also they are using unfair, deceptive, and abusive acts or practices against me while at the same time they are not even licensed seeking remedies in regards to a debt that does not belong to me. In XXXX and XXXX is listed with a Michigan address and according to the NMLS ID : XXXX they are not licensed to operate as a collection agency in the state if Michigan. Additionally they are pending approval as far as the state of California since in XXXX they have a CA address but they are not approved yet. I did try to communicate with them but the thing is that they are asking for ssn. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in 2017. Please advise as to how should I proceed with this fraudulent collector. Thank you in advance XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, Midland credit management, XXXX XXXX, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I submitted a complaint with CFPB regarding excessive calls from Midland Credit on XX/XX/2023 ( # XXXX ). Response quote below. I am still receiving phone calls. Specifically, today at XXXX from number XXXX. This is ridiculous and harassment and needs to stop. " Per your concerns, the above-referenced accounts have been marked Cease and Desist. While they remain due and owing, we will no longer contact you unless required by law. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. ''
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not receive a validation letter or any other communication from the collection company MIDLAND CREDIT MANAGEMENT and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because MIDLAND CREDIT MANAGEMENT reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the MIDLAND CREDIT MANAGEMENT and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act Midland Credit Management has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe this debt because I was a victim of identity theft. On XX/XX/2020, I became aware that my identity had been stolen. I filed a report with the Federal Trade CommissionFederal Trade Commission ( FTC ) reference XXXX XXXX and contacted the three major credit bureaus to place a fraud alert on my credit reports. I request that you investigate this matter and cease all collection efforts on this debt. If you have any questions, please do not hesitate to contact me. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, Midland Credit Management, XXXX XXXX ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, Midland Credit Management, XXXX XXXX ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, Midland Credit Management, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( XXXX ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A