Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 to protect the security and confidentiality of those customers nonpublic personal information. ''
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX sold a debt to Midland Credit that was not mine. This account was made fraudulently to my knowledge. I never opened an account with XXXX XXXX nor did I make any payments on any XXXX XXXX account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by XXXX XXXX that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by Midland Credit. The only information they gave me was that the address linked to the XXXX XXXX account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with XXXX XXXX.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is showing account for Midland Credit Management with date opened as XX/XX/20 in the amount of {$560.00}. I did not open this account XX/XX/20. This account was purchased from the original creditor XX/XX/20.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is reporting Midland Credit Management date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date Midland Credit Management purchased the account from the original creditor.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my consumer report, I found several inaccuracies. According to the law before any information inserted on my consumer report, it should be accurate. This not my debt and I have requested validation of such debt. ( see attached ) Pursuant to 15 USC 1681b ( 2 ) 2, it states that as a consumer, for everyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. According to the FAIR CREDIT REPORTING ACT I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Company Response:
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The debt was dated back in 2014 but the company says it current. I notified the company that the card was stole back then. Im not sure why its still on my credit. The company has been harassing me with court dates and false documentation about this debt. I ask them to give me the original documentation on this account and they still havent provided me with the information.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is so radicals. Despite the fact I told them numerous times, thats its not my debt and stop reporting it on my credit, they keep posting the same XXXX over and over. When I am trying to make a major purchase in my life, to buy a car- I have been going through XXXX to get an approval because these XXXX people just dont get it. I have been trying to purchase a car to make my life little better, a single mother of 2 XXXX, struggling to get better myself and my kids life. These companies have no empathy or common sense to even reconsider their stupid errors. I tried it all and idk what else but I need this XXXX off my credit. Excuse my XXXX but this is how frustrated Iam not being able to buy a car or better anything in life.
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Company is claiming to sue me over debt that was from a credit card with Identity theft. Told them I did not have that card and was trying to speak to someone about ending the lawsuit they have filed against me. Company has been rude during communications.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX : {$300.00} put on hold on my checking account. This CC was from after XX/XX/11. The original total was {$350.00}, now they want {$12000.00}. It's been 20+ years. XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. Please help. They have a hold on the funds but can't actually remove them as they are not a legal entity that practices proper legal procedures but buys debt for pennies on the dollar and then threatens people into paying. After XX/XX/11 I maxed most/all of my cards and eventually paid them all save one, the Midland XXXX . Their tactics were incessant and rude, they added penalties and interest that turned {$300.00} into {$12000.00}. XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A