Date Received: 2023-04-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt has remained on my credit report, and I have no knowledge of this debt. It may have been opened by my father.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As I notice this account on my consumer credit report with MCM claiming to own an alleged account from associated XXXX XXXX XXXX. According to IRS any account that is claimed to be charged off has filed a 1099-C and is considered an CERTIFICATE OF INDEBTNESS ( INCOME ) and the consumer are to claim those credits as income on tax filings to be in compliance. Therefore, discharged accounts are income and can not be reported on consumer personal credit report. Since my first demand was ignored I the consumer have put on notice of this demand with the FTC and States AG. This complaint will also be included in my CFPB complaint. Consumer will file federal suit within 14 days of your receipt of this demand if demand isnt fully met. This is a 2nd demand to have Midland Credit Management removed my private information from their system immediately as well as my consumer CREDIT REPORT. As you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to buy or obtain in anyway my private information including alleged debt and use it against me. This is an abusive and deceptive act. MCM has obtain my personal private information and what your company believe to be my private account information to collect credits off of by claiming to be owner of an account under the consumer name without a legal contract. I have no agreement with MCM. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. I would like to know who authorized MCM to obtain personal and private information of mine without my consent? Please provide original security or any documents relating to an agreement between myself and MCM. Please provide documentary XX/XX/XXXX evidence of my authorizing of MCM to open an account in my name and infringe on my credit report. I ask that unless MCM can provide me the foregoing request, that you delete all my information. MCM is harassing me and failed to provide any documentary evidence of such alleged debt but instead has become in violation of not only FCRA and FDCPA but also the Rosenthal Act. As a XXXX XXXX under XXXX Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. Per 15 USC 1681a consumer report can not have personal transaction history. This violation account on my consumer report has prevented me from equal and fair credit opportunities with damaging of the copyrighted name that MCM has opened an account under. I the consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. I have enclosed an invoice.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Midland Credit Management is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland credit filed a lawsuit against me for debt XXXX XXXX. The court date was set and I obtained a lawyer. Midland credit voluntarily dismissed the case. The collections was removed off my credit files. I just reviewed my credit file and the have put the same two collections back on my credit file. This happened this year XXXX. This case was dismissed in XXXX I want the collections removed immediately from all 3 bureaus. This is against the law and they should be brought to justice for trying this. I want the collections removed NOW!!!
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company at hand ( MIDLAND CREDIT MANAGEMENT ) is filing tax fraud because they are reporting an account as a charge off. I have requested IRS form 1009 c so I can file it with my taxes and they are refusing to give it to me.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the fair credit report act. The list account below has violated my federal protect the consumer rights to privacy and confidentiality under the 15 USC 1681. Account name # midland credit management # XXXX 15 US C 1681 section 602 ( A ) state I have the right to privacy. 15 USC 1681 section 604 a section 2 its also states and consumer report agency can not furnish a account without my written instructions. 15 USC 1681C section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s 2 ( A ) ( 1 ) 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.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Received a letter dated XX/XX/23 signed by Attorneys for Midland Credit Management , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : XXXX XXXX XXXX. I have never done business nor have had accounts with this institution. This is a fraudulent attempt to collect money.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Funding LLC keeps reporting derogatory and negative remarks about my ability to pay my bills by stating that I owe them money. I disputed the claims of money owed through the credit bureaus and they still said it was valid and it is indeed not valid. I have never contracted any services nor contracted to do business with Midland Funding LLC. This has been constant harassment by their company in my pursuit to rid my credit report of companies which claim money is owed which have no validity. Furthermore, I have reached out to any creditors that I may have had or been in default with and remedied the problem. This company I have never conducted business with!
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A