Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Midland Credit Management keeps sending threatening lawsuit messages. This debt was discharged by XXXX and sold to this company I have NO contract with this company and have asked numerous times of proof of a contract with them which they have no provided I owe Then {$0.00} as my debt was discharged by my bank I want Them to stop sending lawsuit notices and threatening me over email and mail. Please help XX/XX/2023 for {$55000.00} Continuing to fraudulently threaten me No wet signature contract! Liars!
Company Response:
State: IL
Zip: 60056
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Selected Account XXXX I received part of the information that I requested, however the last charges that were made on this card were XX/XX/XXXX. You purchased this credit card debt on XX/XX/XXXX, after it was charged off XX/XX/XXXX. This debt was charged off over ten years before you purchased it. Now you are trying to collect a debt that is almost 16 years old. I have asked you from XXXX to provide me with a contract between your company and me with my signature agreeing to pay your company for this debt. In XXXX you harass me with phone calls almost every day until I wrote you a letter telling you to cease and desist. However, you are currently bombarding me with collections of letters, which I consider harassment and false reporting that this debt was written off XX/XX/XXXX. I understand why you in the past refused to send me the information I requested, because of the age of the debt. However, you still refused to remove your fraudulent information from XXXX. Therefore, you leave me no choice but to report to your company all reporting agency. I will be copying this letter Florida State Attorney Offices Consumer Financial Protection Bureau Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines the rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Cc : Florida State Attorney Office, Consumer Financial Protection Bureau, and XXXX XX/XX/XXXXXXXX CERTIFIED LETTER Midland Credit Management , Inc. SECOND REQUEST XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Selected Account XXXX, XXXX YOU DID NOT REMOVE THE ATTACHED LETTER REQUEST FROM XXXX CREDIT REPORT. I disputed this with XXXX and they said you responded that the information was correct as reported. I am requesting that you respond to my current request of a statement as to how the credit card went from {$280.00} to {$710.00}. You have 10 days from the date of your receipt of this certify letter. I will be filing a lawsuit of Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Mgt. MCM. Repeatedly instructed them to cease and desist. I am not the party they are seeking. I remind them of " do not call " status. they resume a week later multiple times day.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because XXXX just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland credit has tried to repeatedly keep contacting me in reference to a debt that I have already resolved as a settlement and paid an installment. I sent them a letter to ceased and desist communication I received notification that they were not, and I explained that it had been paid as a settlement in installments only to be notified that I will be sued. Im still continuing to get phone calls and letters in reference to this and it even contacted the company who they are utilizing to sue me ask for a callback to show that I have proof of payments, and Ive yet to receive a call back from Midland credit manager is still harassing me And I sent the letter to them in writing, Asking them to cease and desist on all communication and they have not.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX Debt Buyer midland credit management XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department XX/XX/XXXX {$1.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance {$1100.00} {$1100.00} Terms 1 Month Responsibility Individual Your Statement : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Item is still on my credit report my identity was stolen and some one used my info to obtain a credit card I do no not have any knowledge of this account I tried contacting the company to let them know that for a while now it keeps reporting month after month that Im late on payments that I have no knowledge of please remove please
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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've contacted the credit bureaus XXXX XXXX XXXX XXXX ) as well as the collection agency ( Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. Midland Credit Management services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law. Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month Midland Credit Management has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A