Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has hit my credit reports claiming I owe them a debt which I do not Ive never contracted with them and I am not a party to any contractual agreement set forth between this company and said original creditor. They need to provide my original contract with wet ink signature showing I owe them anything. This is not mine. I used their online method of contact to dispute the debt and I also sent them mail correspondence as well on XX/XX/23 which I never received a response from them.
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland credit management has done several attempts through the court to collect a debt through a debt collection agency here in XXXX XXXX XXXX with false intentions furthermore XXXX continues to report negative on this debt collection account which continues to lower my score they sent the balance was {$2900.00} now is XXXX, up {$140.00} my question is can they do that?? score went from XXXX on XXXX to XXXX. The court dismissed so on this twice already and they try again a third time with no results
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap p
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I attempted to resolved the dispute with Midland credit management to verify the full account details. XXXX XXXX account was paid in full by XXXX XXXX XXXX XXXX XXXX and should not be reporting as a collection it appeared on my account and is hurting my accounts please ask company to remove all tradeline. Supporting documentation has been added of history of emails and settlement information from the payee family first fcu of sent checks to XXXX XXXX fcu the account was now sold to Midland credit management and they have not been notified of paid in full account ending in XXXX.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023 my joint savings with my husband was garnished for {$1900.00} and funds were removed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on behalf of Midland Credit Managment , Inc. I was not notified and served of this garnishment until XX/XX/2023 by sheriff delivery. On the notice of the non-earnings garnishee summons it is documented that I would have 30-days to dispute from date of receipt, which I received today. Funds were removed from my account 8-days prior to this notice. The amount removed was not money available and I would have made arrangements with the company prior to garnishment had I been notified ahead of time.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been receiving phone calls daily from midland credit for the last 3 months asking for XXXX and giving out a birthday and address that are not mine. They're not identifying who there are. They keep on with is this XXXX?
Company Response:
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Last XXXX of XXXX RE : XXXX Dear MIDLAND CRED : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on [ XX/XX/2023 and identified this alleged debt. first i would like proof of charge off as well as an explanation of why and how the balance increased. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud. remains on my file with the last investigation. Based on the previous information, I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A