Date Received: 2023-12-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is reporting fraudulent inaccurate information on XXXX credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review and see if this is actually an account that belongs to XXXX.
Company Response:
State: MN
Zip: 55912
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My account was frozen for collection. I also have a wage garnishment.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid a collection account in full. The collectionr agency is still reporting a blanced owed. They agreed to remove the collection account with in 3 days of payment. See confirmation where they say I am paid in full, but show I have {$140.00} cents balance and then reporting i owe {$430.00} on all three of my credit reports. Which is it, cause it cant be all three. Their actions are impedeing me from obtaining a place to live. They should have reported it on the XXXX XXXX, 2023 as they report daily. See below Original Creditor : XXXX XXXX XXXX Creditor Name : Midland Credit Management , Inc . Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/2023, you made a settlement payment of {$280.00} towards your initial balance of {$720.00}. We are happy to confirm that this payment settles your balance. You're all set! Note : If you paid with an ACH transfer and the payment gets returned by your bank for insufficient funds ( NSF ), we'll reach out to you again for payment as the payment will still be due. Sincerely, XXXX XXXX, XXXX A Professional Debt Recovery Agency This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Here is what is being reported on my credit report : MIDLAND CREDIT MANAGEMENT Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX Original creditor. They must be fined for false reporting.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was called by Midland Credit Management ( MCM ) because XXXX XXXX XXXX XXXX account associated with them had my phone number on it and the creditor was harassing me for the death certificate which the estate of XXXX XXXX XXXX XXXX XXXX XXXX won't give it out and I do not have access or the ability to give it out. We believe it is a scam and the phone number is XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX. She passed away on XXXX XXXX, 2023, in the early morning and I am not responsible for her debt and want my phone number removed from their database and from XXXX XXXX XXXX account associated with them. Her social security number is XXXX
Company Response:
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: i have sent letters to both the debt collection company as well as the reporting agencies. neither company has responded providing information requested. cease and desist has also been ignored as the information has continued to be reported, having negative effects on my report. within my attempts at resolution, i have also challenged wether the data meets compliance standards. why is this data not being reported to all major credit reporting agencies? the information needs to be deleted and i feel that remedy from the effects of the violations is necessary from all parties invloved.
Company Response:
State: KS
Zip: 67846
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$320.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company further harassed me about the debt without providing the contract of the original debt to show that I owed the debt. Their fear tactics with a lawsuit has been going on for roughly six months. Never once have they granted me the contract or into details about the debt. I feel as though they violated my consumer rights and have been harassing me for the last 6 months.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX for {$1400.00}. I do not have a contract with Midland Funding LLC and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4. Furthermore, between the dates of XX/XX/2023 and XX/XX/2023 one or more credit bureaus have REMOVED this account from my credit report due to these violations and inaccurate reporting.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A