Date Received: 2023-03-03
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX XXXX after reviewing my credit report, I wrote a letter to Midland Credit Management to dispute the debt as I was unaware of this collection. I asked XXXX to provide proof this debt is mine including a certified document with my wet signature and proof of their contractual relationship with the creditor XXXX XXXX Bank that authorized them to pursue this commercial claim. I received a response dated XX/XX/XXXX with a copy of a final bill from XXXX, and a default judgement for a court date I was never notified of. There is no proof of service of process or any documentation submitted to me so that I may dispute the billing. As per their documentation I was served at a previous address in XXXX on or about XXXX of XXXX, but I had not lived at that address since XXXX of XXXX and in fact another family was living there. I had moved to another state, and there was a forwarding address on file with the XXXX. Midland also failed to provide the requested proof of account ownership by me with a certified contract/agreement with my wet signature.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XX/XX/2021 to XXXX XXXX XXXX its shows on app XXXX credit bureaus that a bunch of car dealerships ran my credit over XXXX times on some vehicle purchase and I have contacted them numerous times and cant get anything done. My father has the same name as me and maybe it was him but I havent authorized these credit pulls and want them removed. Below I am attaching the pictures of some of the inquiries. The only credit inquiries I should have will be from XXXX XXXX XXXX only. I really need some help with this. Please call me at XXXX with any questions you may have. Thanks and have a great day.
Company Response:
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX Im not sure how an account can be delinquent 2 years before it was supposedly even open Midland Credit Management is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am filing a new complaint against this company because again they are not reporting accurate information. Total paid : {$410.00} + $ XXXX {$720.00} total remains : {$280.00}. I have proof of these payments. First payment was back in XX/XX/. I have given them substantial time to fix the balance. Class action needs to happen. There are families that they like to see suffer. The people that work for them have no heart. They dont follow standard rules made by the federal government.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am being bombarded with calls from Midland Credit. When I block one number, they use another I own my home, and my car, and have NO unpaid debts. These people have been hounding me for over 6 months, maybe longer.
Company Response:
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I already have disputed this account multiple times for the last 7 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Identity was stolen & they had all my personal information & apparently took out a credit card in my name & rack up a bill. I have told midland Credit Management numerous times it was not me & even sent a FTC report as requested by one of their employee & she said it would be removed when they received it & she gave me the fax # I even had the conversation recorded because each employee will tell you something different depending on their mood that day.I learn to keep prove for my own protection because they lie very easy & simple. I even went as far a to get it notarized because I have not even set my eyes on the card in question. I also ask Midland Credit Management to provide the original documentation which is the signatures of the purchases because I know for a fact it would not match my signature. I was even told by the police department to request the signatures of purchase so they can match it up & prove my identity was stolen. Midland refused to provide the important documents to prove it was not me. They have sent a letter stating ( We have concluded that our information is accurate. Can you imagine a 3 party doing an in House review/Investigation what other answer will they come up with outside of the information is accurate when their job is to collect money for there own personal gain. How can a 3rd party investigate a matter that did not originate from them? The said that they work with the original creditor XXXX XXXX but yet they are unable to provide any of the original proof of documentation. How can a company tell me that I am not a victim of Identity theft? The main idea of someone stealing your identity is to make it look like you are the one actually doing it! They have all your personal information. I dont think Midland Credit Management understand the meaning of Identity theft & want victims to suffer just so they can make a dollar. I will not pay money for a debt I do not owe under any circumstance. I want to know exactly how they came up with the accuracy of their information? I would like the process that was taken & the documentation.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have asked them numerous times to stop calling me
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A