Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP
Company Response:
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT HAS PLACED A COLLECTION ON MY CREDIT REPORT. I NEVER CONTRACTED WITH THEM. I KNOW THAT THEY BEING SUED FIR MORE THAN {$24.00} XXXX DOLLARS FOR FRAUDULENTLY DOING BUSINESS. THEIR BUSINESS PRACTICES ARE TO HARM CONSUMERS AND I AM BEING AFFECTED BY THIS
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I downloaded a credit app to look at my credit and this credit card was on there that I dont know about.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company Midland Credit Management is reporting to the credit bureaus that I have 4 accounts with them in which I don't. I do not have an obligation to pay this company anything because there was no notice sent to me from the original creditors saying that this account was sold. Furthermore, they are reporting duplicate accounts with the same account number, but different balances. How is this accurate? The only balance that I've had was with the original creditor XXXX XXXX FOR {$660.00} and XXXXXXXX XXXX for {$1200.00}, so why are there 2 other accounts reporting? I am under the impression that my information was compromised being that I was involved in a data breach in XXXX which I will attach my claim to this complaint. If you can not prove that I owe the alleged debt, provide a copy of my id and ssc, original contract bearing my signature, license to collect debt in the state of Texas, and explanation as to why there are 2 accounts reporting for account number XXXX and 2 accounts reporting for account number XXXX then remove these account from my credit report immediately.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that MIDLAND CREDIT MANANGMENT had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2018 with a balance of {$590.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase.Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. MID LAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX balance paid off XXXX card had a fraudulent cash advance in XXXX and XXXX of XXXX. This charge was done online by stealing my login, my physical address, email and phone number were changed on the account so I was not notified. The person tried to pay off the charge with my linked bank account and this was when I was notified as I did not have the funds in my bank account. I reported this with XXXX XXXX and they told me all was determined fraud. I was told by XXXX that since my address was changed and I flagged and closed the account they could not send me this determination of fraud in writing. The fraudulent {$9600.00} {$9000.00} principal {$450.00} interest {$170.00} fees I was also told by XXXX that the fraudulent party opened a checking bank account under my social linking the accounts on line. They closed all these accounts after I alerted them. XXXX XXXX then sold my account to a debt collector in XX/XX/XXXX to Midland credit management. They did this after they told me I had no responsibility to the charges and it was all marked fraud. I do not have the statements that were fraudulent as my contact info was all changed. The address they altered is a XXXX XXXX dollar home, and not mine. I live in a lower income dead restricted address.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company ( Midland Credit Management ) keeps contacting me at all hours of the day every day of the week even though I am not the person they are looking for. I have recieved over 100 calls relating to the person and I have told them every time that the person they're looking for is. Ot at my phone number. I have blocked the phone numbers used by this company several times and they call back with different one looking for the same person.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with Midland Credit Management , Inc . The Attorney office is XXXX XXXX XXXX, XXXX. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent 3 separate verification letters to Midland credit management asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/ 2022 I received a collection notice from MIDLAND CREDIT MANAGEMENT in regards to doing business with XXXX XXXXXXXX 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: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A