Date Received: 2023-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company stole my personal identity in order to fraudulently collect a debt that I dont own. Ive never signed any written forms of communication, nor have I entered into any agreements with them. They are currently harassing me.
Company Response:
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Attach to this message is a screenshot of the amount That this collection Agency states that I owe. All of the information on the screenshot listed is incorrect. They have reached out to my employer have threatened to Sue me to try and collect this Incorrect debt which I have no recollection of or have any signatures Or consent tied to this. This collection has just been going up on my XXXX XXXX Almost every month it seems. Starting at XXXX XXXX, XXXX, to now up XXXXthe debt just increasingly goes up every time slightly.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I only went to XXXX school and my loan should be paid off.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This XXXX XXXX XXXX want to see me in court for an unpaid debt from 7 years ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am on XXXX barely getting by
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of midland in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.
Company Response:
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: DATE ACCOUNT OPENED : BY LETTER XXXX XXXX THE LETTER SAYS DATE ACCOUNT CHARGED-OFF WAS XXXX XXXX CURRENT JUDGMENT PRINCIPAL AMOUNT IS {$1600.00} JUDGEMENT CURRENT BALANCE IS {$1600.00} THE PURPOSE IS FRAUD I DONOT SHOP AT XXXX LOOK AT THE YEAR IT'S XXXX LOOK HOW FAR AWAY TIME BEEN WHY NOW I BEEN HAVING PROBLEMS WITH MY IDENTITY FOR A LONG TIME FAR AS LOANS, CREDITCARDS ETC..I KNOW NOTHING ABOUT THIS ACCOUNT I RECIEVED A LETTER IS HOW I FOUND OUT ABOUT THIS ACCOUNT SPOKE WITH A REPRESENTIVE NOW I'M PROCEDING THE SITUATION I NEED THIS ACCOUNT RESOLVED
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I notified the company to dispute debt they claim to be owed. They have not sent any proof of validation. I have requested proper validation and no response has been yet given.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of Identity theft. I have sent in FTC reports and Police reports but the results of the investigation has been verified. I need these collections validated. I have no knowledge of XXXX XXXX XXXX XXXX, OR MIDLAND CREDIT MANAGEMENT. I have no debt with these companies nor the companies they represent. No one has been able to provide me with a contract verifying the stated debt. Please have it removed immediately. Thanks in advance.
Company Response:
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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 have attempted to handle this with XXXX XXXX several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A