Date Received: 2023-03-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MIDLAND CREDIT MANAGEMENT claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and your company is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the accountMIDLAND CRED XXXX for inaccuracy, because this account doesnt belong to me, the creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. The date of the last payment reported is inaccurate and missing. I never had an account with MIDLAND CREDIT MANAGEMENT and you are in violation of my rights. I received notice from XXXX that they had deleted this same information. XXXX is inconsistently reporting this inaccurate information I am now requesting that you delete and stop reporting this inaccurate information on my consumer report because you are violating my rights. Delete this account immediately. MIDLAND CREDIT MANAGEMENT has violated my rights numerous times. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt. 15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX i called to see what was on my credit, I was told to pay XXXX before i could go any father, the agent would not let me off the phone with out payment or a payment date and card!
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Midland Credit management bought a debt from a XXXX account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
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 have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank youXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00},
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I sent a complaint back in XXXX regarding this same complaint. I did not realize I needed to provide more documentation and Midland Credit stated they sent me documents that I needed to fill out and send back, but I never received any documents. I found out my dispute was closed and they are still trying to pursue with the collection of the funds. I am filing a dispute again. I was a victim of Identity Theft and have reported this with the credit bureaus ( XXXX, XXXX, XXXX ). Therefore, this credit card with XXXX XXXX XXXX was opened in my name as fraudulent. I had no recollection of this card. And there is proof back in XXXX I reported that I was a victim of Identity Theft and in XXXX XXXX XXXX XXXX sent this bill to collections ( Midland Credit ).
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTIGN ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUTIONS. 15 USC 166B : A CREDITOT MAY NOT TREAT A PAYMENT ON A CREIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR PURPOSE.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Was contacted about debt for a card that was closed due to breach in issuing card service data. The original account was closed and I was issued a new card and account number. Midland Credit somehow purchased closed account. I disputed the debt, was found in favor and collection removed from credit report. Midland Credit has proceeded to file a civil claim and has filed in local court. I still have the reopened account and it is current and up to date. I have given this information to the company yet they are proceeding to take me ro court.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX and XXXX XXXX i want midland to delete this account from my credit report asap delete delete
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX and XXXX XXXX i want midland to delete this account from my credit report asap delete delete
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A