Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland credit and XXXX XXXX.which is the same account. Are trying to charge me for account that is not mine. I've told them called. Disputed them multiple times. And they still say it's my account. Impossible. Me myself don't believe in nor ever had an open credit.card.and the one I did have was shut down cause I never used it.i pay cash for everything. No bank accts.no savings. None of that.these companies. Refuse to work. This.out just keep saying I owe. And I dont.midland credit. Called my phone.it seemed liked 10 times a day.ive blocked them.but yet they still harass me from other # .I 'm tired of this.they have got the wrong person.common since.
Company Response:
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Attached, you will find the documentation to validate a debt collector, XXXX XXXX XXXX XXXX whom has been inaccurately, reporting information regarding my credit history. Falsely reporting late payments, delinquencies and collections in accordance to my name as a consumer, but not accurately in accordance with this account as a consumer. According to this document, XXXX XXXX XXXX, XXXX, which I am not linked to. There is no validation that has been provided to me as a consumer to validate this account in accordance with 15 US code 1692g. I submitted a dispute in XX/XX/XXXX and the account was not validated or deleted upon me submitting information to the credit bureaus regarding XXXX XXXX XXXX XXXX. The XXXX account they are referring to has already been deleted and removed from my credit history. XXXX XXXX XXXX, XXXX refuses to follow the fair debt collection practices of validating evidence against me as a consumer. They attempted to intimidate me by filing a suit against me, however, failed due to lack of evidence, linking me to the accounts, they are attempting to collect debt for. This is a formal dispute regarding the account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX was sold on XX/XX/XXXX of XXXX regarding a XXXX XXXX XXXX. Account number beginning with XXXX. Account balance at the time of sale was {$3100.00}. XXXX XXXX XXXXXXXX XXXX XXXX was closed XX/XX/XXXX with a XXXX balance as I reported the card stolen or lost. As a consumer I opened that account XX/XX/XXXX, five years and eight months with a payment history, reflecting 100 % of payments made on time until this occurrence. In an attempt to clarify the origin of the XXXX XXXX XXXX, XXXX I called XXXX customer service and was unable to communicate with the gentleman that this XXXX account associated with this debt collector was in accordance to a XXXX XXXX account that had been closed years prior. Due to his lack of understanding, investigating and merely communicating with me as a consumer he stated that the account was not related to a XXXX XXXX account because it started XXXX. I advised the gentleman that I would send the information over to the bureau so that my financial account could accurately be updated and error be deleted. XXXX XXXX XXXX XXXX continues to open accounts under my name as a consumer and to which I am not associated with and I have the documentation which I will continue to provide in order to clear my credit history in the most efficient and accurate disposition. The inaccurate reporting of information regarding me as a consumer is fraudulent. I have no association with XXXX XXXX XXXX, XXXX, and there is no competent evidence bearing my association with them or that I have a contractual obligation to pay this third-party debt collector. Any negative mark sound of my credit, including other credit bureaus must be removed immediately. I do not owe this company a debt. According to 15 USC 1692 g validation of debts ; I do not recognize how this account is reporting on my credit history/report. I do not recognize this account number. I do not recognize this account status. I do not recognize the high balance associated with this unrecognizable account nor do I recognize these late payments or no data related to a payment history whatsoever. According to an account related to XXXX XXXX, XXXX and the debt collector XXXX XXXX the debt on XX/XX/XXXX was {$3100.00} and had a past due amount of {$3000.00}. I submitted a dispute and XXXX and the debt collection agency XXXX XXXX XXXX XXXX XXXX reported to the three credit bureaus. The account was in collection for about five years. I filed a dispute with XXXX XXXX XXXX XXXX XXXX and due to the inability and an accuracy of portfolio XXXX and associates being able to link me as a consumer to this debt. The account was closed. According to XXXX XXXX XXXX XXXX the date of my first delinquency was XX/XX/XXXX, the date that they reported this was XX/XX/XXXX. The XXXX XXXX XXXX, XXXX is in accordance with an account no. XXXX reference no. XXXX. The seller is XXXXXXXX XXXX in the amount of {$3000.00} You will also note a communication letter from a debt collector sent to address, XXXX XXXX XXXX XXXX This is not my place of residence, this is not a residence to which I am associated with or to where I reside. I have disputed this address in the past, and it was previously removed. XXXX XXXX XXXX XXXX continues to an accurately send forms of communication to homes within my community that reflect poorly upon a consumer related to their finances and a defamation of character. This is by all means, inappropriate, inaccurate, misleading and above all else wrong. XXXX XXXX XXXX, XXXX has violated 1692 ( e ) by without my consent, or knowledge, obtaining soft increase from XXXX along with Midland credit management, XXXXXXXX XXXX, and the XXXX XXXX. I am a palled by the information that I have obtained in accordance with my recent consumer credit report. I respectfully request that this entity refrain from contacting me in the future, as I am not associated with this debt nor am I associated with the debt related to XXXX XXXX XXXX I also respectfully request that XXXXXXXX XXXX XXXX, XXXX provide me with competent evidence that I am in legal obligation to pay them. Failure to respond in accordance with act 15 USC 1692g ( five days ) to all references to this account, must be deleted and completely removed. Please note that I have also attached a legal document, granting notice of non-suit, defining and concluding that XXXX XXXX XXXX XXXX lacks the information to connect me as a consumer in any way to an account that has already been deleted. XXXX XXXX XXXX, XXXX has been reporting inaccurate information against me as a consumer, for five years, In conclusion, I would like to note a collection is by default late and past due, not an open account. The documentation I have attached reports that the status of my account is {$3000.00} past due as of XX/XX/XXXX that is inaccurate. Inaccurately reporting that this debt was only in relation to a XXXX account, and not specifying XXXX XXXX XXXX XXXX is also fallacious to the credit bureau and myself as a consumer. You will also note XXXXXXXX XXXX XXXX XXXX is not on my credit history as of today. XXXX XXXX XXXX XXXX is also obtaining a debt in accordance with a XXXX XXXX account that I am not associated with. In the same manner and fashion, I have attempted to dispute these accounts and have been unsuccessful. This company continues to report false information and I will also attach that information. Please delete the inaccurate information promptly and with integrity to me as a consumer.
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX/XXXX/2033 I received a collection notice from MIDLAND CREDIT MANAGEMEN in regards to doing business with XXXX XXXX in the amount of {$3500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit management/ XXXX XXXX services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/2022
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I received a collection notice from XXXX XXXX XXXX in regards to doing business with XXXX XXXX XXXX in the amount of {$3500.00} I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt. Please provide original contractual agreements.
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This collection account needs to be removed from my credit report immediately. This was sold to Midland credit management that collection company illegally and needs to be removed from my credit report immediately.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and Puerto Rico Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX XXXX was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Company Response:
State: PR
Zip: 00924
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I have no knowledge of this debt.they have tried to contact me via my employer that I currently work at. They have not been able to provide me with any knowledge of this debt or ownership of his debt even after asking several times of the terms of this debt.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft the company sold the account
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am deeply devastated about a collection account that is reporting on my credit report. These accounts are invalidated unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. There are numerous unauthorized addresses, names, and accounts on my credit report MIDLAND CREDIT XXXX creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX . is one of the accounts that needs to be investigated. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXXXXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A