Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft in XXXX and i didnt find out until XXXX when I was getting my tax returns together to purchase my home. I receive a PIN number because someone filed taxes under my ssi and name in XXXX and my identity has been compromised ever since so there are many addresses and accounts that arent mine and i did not sign off on including the garnishment from midland credit brought by XXXX XXXX. I didnt incur these debts and was unable to respond to lawsuit because i almost died having my premature baby in XXXX. In XXXX someone bought a phone on my XXXX account as well and i wasnt charged for it because i notified them about my identity theft issues from XXXX.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX
Company Response:
State: KY
Zip: 42420
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$3300.00} Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collector 's Account Number : XXXX Alleged Debt Amount or Balance : {$880.00} Dear Midland Credit Management : I recently received communication from you attempting to collect the above-listed alleged debts. Your initial communication to me in an attempt to collect the alleged debts was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debts listed above in their entirety. Further, I request verification of the alleged debts, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditors and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debts and money that I do not owe. Cease and desist all collection activity, including all reporting to Consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my request above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter thoroughly and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company Midland Credit Management ( MCM ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is XXXX XXXX/mo, the other XXXX XXXX/mo. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins at XXXX XXXXand doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2023 Midland Funding LLC gave me notice of a bank account freeze through XXXX XXXX XXXX XXXX for my bank account. I have no idea what the debt is about. They just withdrew money from the account in the last week. I tried calling their attorneys, XXXXXXXX XXXX XXXX XXXXXXXX at XXXX but was met with 4+ hour long wait times ( XXXX people ahead of me, I waited for XXXX minutes, still nothing ). They did not respond to my email messages : XXXX. I accuse them of violating the Fair Debt Collection Practices Act due to complete failure of them to communicate with me.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXXXXXX XXXX the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.
Company Response:
State: FL
Zip: 33603
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A