Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # 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 fumnish a 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
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland - open case- I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$5400.00} Asset Acceptance - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$3100.00} XXXX - they filed garnishment against me through XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$670.00} Well an XXXX XXXX XXXX I called to dispute a debt - they filed garnishment against me through XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX XXXX I called to dispute a debt - they sent me a statement trying to collect a debt {$730.00}
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received multiple notices in regards to a debt from company called Midland Management referencing, XXXX XXXX. I believe the amount that debt collector is attempting to collect is an invalid and incorrect amount and debt collector has used tactics that violate my federally protected rights under 15 USC 1692 ( b ).
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Midland XXXX put a hold on my personal daily checking account for XXXX when it only had about XXXX. This amount doesn't go thru my account in 2 or 3 mo. This debt must be at least XXXX old.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I already have disputed this account multiple times for the last 10 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesn't make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report on XX/XX/2023 I identified a discrepancy with account under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again XX/XX/2023 and that account is still reporting without me receiving correspondence showing that the debt was was validated by Midland Credit Management.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a certified court letter at my mom 's house informing me of court to get my check garnished..I called the lawyer group and she told me this was for a card or some kind of credit that I was sued for XX/XX/XXXX and had a judgement against me..I asked if that was legal per statue of limitations she said yes it was from XXXX and they had till XXXX to pursue me..Had they sent me a validation letter even to my mom house same way they sent court papers they would have found out I was a victim of identity fraud..I had the FBI show up at my house for checks and all kind of stuff I went to court and everything was dismissed ..I have no idea about what they are talking about and why or how I was sued and had a judgement and knew nothing of that either until I'm being sued and their wanting to garnish my checks..until literally the FBI showed up at my door ... it was cases everywhere ..checks, cards, they actually came to inform me because on camera the ladies didn't look like my driver 's license..they arrested I know from them one lady I didn't know either when they showed them to me ..The agent took care of everything except one store in a city I had never been in had a warrant out for me..the man went to court with me and everything..pull up the court papers where everything said is typed up..only then did they dismiss it..what ever this is they said it went to write off ... they should of found me and probably had it taken care of by insurance..instead of taken 20 years to bring some bs to me
Company Response:
State: IN
Zip: 46628
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A