Date Received: 2023-03-10
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 right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its 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 fot late purpose
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I opened a XXXX XXXX credit card XX/XX/XXXX, and fully paid the principal as well as all late fees XX/XX/XXXX. The bank decided to wait to put this towards my balance until the day after another late fee was issued. After {$340.00} in late fees ( which was over double what my account limit was which was a {$100.00} spending limit ) it was sent to Midland Collection agency. Comenity bank says they have no access to any payments that were ever made and Midland says that only the bank has access to my payments and amounts. The collection agency was sold this account on XX/XX/XXXX, yet did not report it to my credit until XX/XX/XXXX.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted the company and told them I dont owe {$1500.00}. Since XXXX they increased my owed amount over {$500.00}. I refuse to pay any of it because theyre making false claims and they dont even have proof that the debt is mine, theyre not the original creditor. I get mail saying Im commuting a crime and theyre taking me to court. I want this to stop. They dont have my wet signature. They never provided me with proof of anything and on top of that I have been a victim of a nationally declared disaster. I have been homeless for the past 3 years. Jobless for longer than that.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They're trying to collect {$610.00} from me but this debt is not with them it's with XXXX XXXX in XXXX XXXX has sold it to them and they have no proof that I owe the debt with them thank you
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Midland Credit XXXX has consistently called me multiple times a week, including weekends and evenings. They persisted even when I was overseas in another country for approximately 2-3 days before discontinuing, then continuing a month following my return. I no longer allow phone calls to numbers in my phone to ring because of the nuisance calls from this abusive company. At the height of these calls, I was receiving them 6 days a week ( Sun - Fri ), around XXXX 2022. I can obtain these records from XXXX, my service provider, if required. They also use multiple phone numbers rather than one number with multiple lines, thereby making it impossible to avoid their harassment via blocking numbers.
Company Response:
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is being filed against Midland Credit Management. XX/XX/XXXX I checked my consumer report and found this unknown debt buyer account on all XXXX of my consumer files with transunion experian and XXXX. I then sent this debt buyer a certified validation request on XX/XX/XXXX at the address specified on my consumer files Midland Credit Management XXXX XXXX Big XXXX XXXX XXXX XXXX, XXXX, MI XXXX tracking # XXXX and Midland Credit Management received my letter on XX/XX/XXXX. I have even disputed this unknown account with the XXXX consumer reporting agencies XXXX XXXX and XXXX on XX/XX/XXXX and XXXX and XXXX have generated me with results already. XXXX verified this account as accurate on XX/XX/XXXX and I have requested transunions reinvestigation procedures used to determine the accuracy of this account on XX/XX/XXXX tracking XXXX because I wanted to know how they verified the account with this debt buyer when I have not gotten a response from Midland Credit Management in regards to my direct dispute. How is it legal that a unknown debt buyer is defaming my character by accusing me of oweing them when no legal proof has been properly supplied to me? XXXX then generated me with results on XX/XX/XXXX claiming that the account has been verified it belongs to me and the account was updated. For the second time XXXX generated me with results without legal proof that this alleged debt is valid and without a response from this debt buyer. XXXX generated me with my first results on XX/XX/XXXX and experians results outcome was Updated. Such updates that XXXX did was illegal because XXXX updated the balance making it seem as tho a payment was made when no form of payment was generated on my end to this debt buyer which is a FDCPA violation of unfair practices 1692f ( 1 ). I know my consumer rights and know that without my wet signature in a binding contract with this debt buyer and myself this alleged debt is deemed to be invalid therefore unverifiable. It has been past 30 days since this debt buyer received my request and I have gotten no response and under the FDCPA the account must be deleted for failing to respond and provide proper evidence within 30 business days 1692g ( b ). This debt buyer did not provide me any information regarding the account with the original creditor, possibly because this debt buyer does not have such information within there system. If this account is deemed to be verified legally under my name, then I want proper validation proof including the original SIGNED contract between myself and the original creditor, the binding contract oringally SIGNED by myself between me and this alleged debt buyer clearly specifying our payment arrangement and agreement. I want proof of the original date of delinquency date that occurred with the original creditor. I want proof of the Last Payment Made that led to the delinquency of the account with the original creditor. I want proof of the Original Charge Off date on the account with the original creditor. I want proof of the Original bill of sale from the original creditor explaining that Midland is the current owner of the debt including the amount that was purchased for, the account number and on what date the debt was acquired on. I want a response if this debt buyer Midland reports a past due dollar amount remark as the status or payment history to the consumer reporting agencies. I want a response if this debt buyer describes themselves as any other entity other than there true identity as a debt buyer. To my understanding the original creditor does not have this information on file within there systems no longer because they have given up all collection rights by selling the accounts information to this debt buyer. Since this debt buyer wants to act like this alleged debt under my name is valid by responding to the consumer reporting agencies and verifying the account with them then such important information I have requested from them should have no problem with providing it to me, the consumer whom the reports relates. How else is Midland Credit suppose to Verify the accuracy on each reported field to the consumer reproing agencies without the original accounts information as proof? The way this account is reporting to the consumer reporting agencies, this debt buyer is misrepresenting themselves as a creditor by reporting a past due dollar amount, a payment history and misrepresenting themselves as another company name ( XXXX XXXX Account ) other than there true identity as a debt buyer which is a clear FDCPA violation 1692e ( 14 ). Midland Credit is also reporting XXXX different 7 year federal removal dates with XXXX XXXX and XXXX further more proving that Midland does NOT have the correct date of delinquency date in there systems as described in 1681c ( c ) with respect to any delinquent account, in which the date of delinquency date that occurred with the original creditor still applies to this debt buyers legal 7 year reporting period. XXXX reports the 7 year removal date XX/XX/XXXX and XXXX verified this account as accurate. XXXX reprots the 7 year removal date XX/XX/XXXX and XXXX reports the date of delinquency date XX/XX/XXXX resulting the account to be removed from XXXX on XX/XX/XXXX. Thats 3 different months this one account will be removed in XXXX? This is a blatant error and since transunion wants to claim that the account has been verified as accurate with a removal date XX/XX/XXXX, then that means XXXX and XXXX are reporting inaccurate information, in which how could they then when all 3 consumer reporting agencies get information LEGALLY for one data furnisher and no other entity to make the reinvestigation on this one account to have been done properly and thoroughly? I feel as tho Midland Credit Management is in clear violation of the FDCPA and making me and other creditors feel as tho coerce payment is necessary on this unvalidated debt because of the advertisement midland is displaying on my consumer reports, I feel as tho I am being harassed and attacked to pay a alleged debt with a unknown debt buyer without legal documentation that shows this debt buyer is the legal owner of the alleged debt, when I legally am not obligated to pay them without proof 1692d ( 4 ). I am not asking for verification this debt buyer has my name and mailing address such information is not proper and legal validation that I owe this alleged debt buyer anything. A itemized of charges or billing statement is also NOT proper validation either. According to the FDCPA 1692c ( c ) I have full right o refuse to pay a alleged debt without proper legal validation and I stand by my legal protective right to do so.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) 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.
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 state a consumer agency can not furnish my account without my written instructions. 15 usc 1666B a creditor may not treat a payment on a credit card on an open end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MIDLAND CREDIT MANAGEMENT did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt MIDLAND CREDIT MANAGEMENT used the medium form of my consumer credit report to communicate an alleged debt to me. MIDLAND CREDIT MANAGEMENT 's actions also displayed this alleged debt information to others that had access to my consumer credit report. MIDLAND CREDIT MANAGEMENT disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. MIDLAND CREDIT MANAGEMENT, has not provided any lawful proof that I signed any agreement/ contract with THE MIDLAND CREDIT MANAGEMENT that would make me liable for the alleged debt.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A