Date Received: 2023-04-20
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: See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ive asked them to repeatedly stop calling me while Im at work but they keep continuing to do so. I work at a XXXX and I can not have repeated phone calls between business hours They call everyday two times a day, for the amount of {$1500.00}
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against MCM for their failure to properly verify a debt that they claim I owe. I have already requested verification of the debt in writing as per the Fair Debt Collection Practices Act, but MCM failed to provide me with the necessary documentation. I received a response from MCM, but the verification of the debt did not include a signed credit card agreement, which is required under the law to prove that the debt is valid and enforceable. Without a signed agreement, I have no way of knowing if this debt is legitimate. I have attempted to resolve this issue directly with Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX ID : XXXX ), but they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit or MCM has contacted my elderly mother. When she called back to check who they were they did not identify themselves. Was rude and told her who they were. They've not sent me any notifications and I've been paying this debt for almost 8 years.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: The Debt was originally from XXXX XXXX and Midland Collection Agency bought it, its over 9 years old and was going to be a charge off they sent me fake court documents and were yelling at me, I called XXXX XXXX they are removing the bad report but Midland is still Harrassing me
Company Response:
State: CA
Zip: 93230
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt collector Midland has recently contacted me about a debt they state belongs to me. They said it was from a payday loan place called XXXX XXXX XXXX made back in XXXX. I told them that It was not me and it must be a mistake at which point I requested additional documentation such as how it was made, proof of where the money was sent to etc. They refuse to send me any documentation and demanded that I pay them. I told them I am not paying something that I was not responsible for. I am not sure what is happening and I am very concerned as I know I did not take out a loan. I've literally requested them to send me everything that the have so that I can review it. At this point they are hanging up on me. This is not how you properly handle businesses. Accusing someone of a debt that they have no knowledge of. I've never received not one letter or notice of this. They are just calling and harassing me at this point.
Company Response:
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, Midland Credit Management is Still Reporting Inaccurate and Incorrect information on my Credit Report although I contacted Them Previously on this same Matter. They Deleted Another account for a Lesser Amount but Refuses to Delete this Account # XXXX for {$1700.00} I need this Company to Send another Letter to myself and All Three { 3 } of the Credit Reporting agencies Stating that I Do not have an Contractual Agreement with them and To Delete all Fraudulent Inquiries of my Credit Report I will be Attaching The very First Letter sent out also The Letter they Sent to me Only Deleting the LESSER AMOUNT for {$540.00}
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { MIDLAND CREDIT MANAGEMENT INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { MIDLAND CREDIT MANAGEMENT INC } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { MIDLAND CREDIT MANAGEMENT INC } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. MIDLAND CREDIT MANAGEMENT INC XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, MIDLAND CREDIT MANAGEMENT who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If MIDLAND CREDIT MANAGEMENT is reporting a debt that I do not owe, they are violating this law. The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If MIDLAND CREDIT MANAGEMENT is operating illegally by collecting debt without being registered, they are violating this law. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A