Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 1681 section 602 states i have the rights to privacy 15 usc section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose
Company Response:
State: MA
Zip: 02740
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: 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: Please note that I am the author of this complaint and all attachments. The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Company Response:
State: TX
Zip: 752XX
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 was result of identity theft
Consumer Complaint: I have obtained my credit report and found accounts I never opened, addresses I never resided, and different variations of my name. I also found this account that I believe not to be mine. Acct name : MIDLAND MANAGEMENT CREDIT ( Original Creditor : XXXX XXXX XXXX and XXXX XXXX in the amount of {$2000.00}. I also found an account listed on my credit twice. Once with Midland credit management and once with XXXX XXXXXXXX XXXX in the amount of {$870.00}. I am not liable for this debt and I do not have a contract with Midland Credit Management. Also how is the debt listed with XXXX XXXX and Midland. They cant both be requesting payment on the same debt. Police Report and FTC Affidavit are attached with this complaint and disputes sent to all three credit bureaus. Please delete this account from my credit report at once.
Company Response:
State: FL
Zip: 32210
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 was paid
Consumer Complaint: I attempted to reach out to collectors on XX/XX/23 and gave them ample opportunity to resolve this issue the account was closed and paid off
Company Response:
State: PA
Zip: 152XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 94590
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: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection named midland credit management reporting on my credit report. I XXXX do not owe this company any money. I request they delete off my credit report
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. XXXX XXXX ACCOUNT NUMBER : XXXX MIDLAND FUNDING ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
Company Response:
State: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called Midland Credit management on XX/XX/2023 to ask for a reduced amount that would settle my bill of XXXX from XXXX XXXX Credit Card. I explained to the Rep on XX/XX/2023 that I was XXXX and on a fixed income but I could pay a one time payment to clear the debt if reachable. My family was giving me the money. I told him that I could pay like XXXX dollars but needed it to be cleared. I know that the account is a charge off but I wanted to clean up my credit some. The Rep stated that he would have to speak with his account manager and when he returned to the phone he quoted me an amount of XXXX. Although this amount was above the anticipated amount that I had to work with, I stated that I would call back. At no time did the rep tell me that the offer would be voided once I hung up the phone. I did live chat today XX/XX/2023 so that I could have some written documentation. I explained to the Rep " XXXX XXXX '' what I needed and recapped from XX/XX/2023. At first XXXX was very adamant and said that sorry can not do anything and I am not going to honor the amount from yesterday. I again explained my situation and then he still stated that it was policy and he could not offer me but the offer that he was giving me today would last until XX/XX/2023. I replied with so the chat can be extended but my phone call can not. He was like you either want it or not. I explained once again that the offer amount was too high and that i really needed the amount from yesterday. He said well just for you I will come down. He came down like to XXXX and I said I can not afford that but now I can see you do have the authority to make offers and changes. I told him that i felt he was belittling me and being very discriminatory as he knew I could not afford those amounts and he found it amusing to keep doing that. I ended with asking him to send me the transcript of our chat so that I could forward to cfpb to take a look at it. He replied that he had no way of doing that but he would be sure to send me a bill in 7-10 days. I found that disrespectful and again belittling. I was able to copy and paste the transcript and I saved it in a file that I will also upload.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A collection notice sent to my home address on XX/XX/XXXX to the amount of {$610.00} i contacted the company named Midland Credit Management ( MCM ) they informed me that a credit card was taken out in my name in XXXX. I then went on to explain to them i have no idea about to card nor have I ever used a card from XXXX XXXX XXXX the teller then asked me about the card including my address where the card was previously residing I told him that i was renting a room and who i was sharing it with. He then informed me that in order to get it removed from my account I would have to file a police report and send it to their address. I preceded to contact the police precinct in my district which the told me that they don't handle identity theft I have to contact the IRS there they told me that i have to contact you.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-03-15
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 was paid
Consumer Complaint: I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX stating that they were trying to garnish me. I tried several times to contact and finally got a call back. This is in regards to a credit card debt from nearly seven years ago. They would not provide really any information other than they would do an internal investigation and let me know. I currently do not have any marks on my credit report to reflect anything relating to this. I regularly monitor my reports and have not had anything on this as far back as I can remember. I had thought that I had paid it but due to the age I am having trouble coming up with any records. I tried to contact the debtor directly but they would not talk to me because there was a attorney involved. If I owe it, I'll pay it but they couldn't/would n't offer me any proof other than " because we say so ''. I don't understand how something can simply pop up out of nowhere and I can be expected to blindly pay it. They are talking about garnishing a bank account that has been closed for several years. I have worked hard to repair my credit and don't want something to damage that for no apparent cause other than a greedy law firm trying to prey on the unsuspecting and vulnerable. Is this even legal? Are there no statutes of limitation? Please advise. Thank you.
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A