Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was trying to pay off my debt with midland credit management & I didn't have my account number so it had me put in my last name, my DOB month & year and the last four of my social security number. It then took me to a page about 10 % off the balance if you paid in full that day so I selected that option and put in my debit card information. After I processed the payment it then took me to an account page that was for someone that I do not know causing me to pay for someone else 's debt. I immediately called midland and voided the payment option on their website and filed an escalation that involves me not getting my money back immediately even though it had just happened and I immediately voided to payment. They could not explain to me why my personal information was going to someone else 's account & now I'm scared my information can easily be accessed. The company told me I had to wait 7-10 days for a solution & did not give me any answers as to why I couldn't get my money back right away when that account I paid on was not mine.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Excessive phone calls from misleading numbers Caller id states it's from a XXXX XXXX on XX/XX/2023 at XXXX, XXXX, XXXX. When I reverse looked up the number it came back as Midland credit. Had calls from XXXX caller id states it's XXXX XXXX but reverse lookup comes back to Midland Credit. approximately on Numbers from XXXX XXXX link to Midland Credit have also called my number. I have been receiving at list 4-5 calls from Midland credit everyday for multiple weeks.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Report Act XXXX Account:XXXX Amount Collect : {$400.00} from Creditor : MIDLAND CREDIT MANAGEM, 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 an account without my written instructions.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I dont even know if its me they are trying to get a hold of, since I get other calls for the previous owner of my number. They keep calling without leaving a message, and when I block them, they call under a different number and use the same tactic of calling and hanging up without leaving a message. Im assuming theyre a debt collector because thats what I get when XXXX the name ( Midland Credit XXXX Always shows up no matter what number they use. ) If its me theyre after for a debt, the least they can do is honestly get a hold of me instead of constantly just calling and hanging up. Thats downright harassment and poor business practices.
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, MIDLAND FUNDING account is { {$610.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, 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 that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 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. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( XXXX ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt 's judgment on XX/XX/22. They continued to garnish my wages and I had to wait over 30 days to receive the credit back of 4 payments. In addition, I was never sent a satisfaction of judgement. The representative tells me I can " pull '' it from the court site. I can not as I do not have a XXXX number in order to login to said court site. She sends me a screenshot where SHE can download the linked report - that is not available on my side. I repeatedly asked for a satisfaction of judgment to be sent to me, and it is now two solid months after I paid this debt. The inaction of the attorney to send me a copy of this judgment is holding up the title search of the sale of some property.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX trust with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MIDLANDCRE Collection with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2. Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual? Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law. When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them. You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately. I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA. The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have contacted XXXXXXXX XXXX through XXXX. The first time I spoke with the customer care team was on XX/XX/XXXX I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed 2 separate disputes after several hours on the phone and continued to tell me that the XXXX Store must have input the purchase wrong and there was nothing XXXXXXXX XXXX would be able to do. I have gone back and forth between XXXXXXXX XXXX and the XXXX Store. The XXXX Store has been more than helpful, in fact the last time I called the store manager was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to XXXXXXXX XXXX, the bank is still refusing to update the account with the transaction at the store. XXXXXXXX XXXX is trying to say that I owe them over a XXXX dollars. I did file a motion with the State of Ohio and they directed me to the Consumer Financial Protection Bureau to file a complaint. On XX/XX/XXXX my fiance and I purchased a wedding ring and engagement set from XXXX and used the store credit card through XXXXXXXX XXXX to charge {$2200.00} for 36 months of 14.99 % interest as stated in the details of my plan. However, they have been charging me at 29.99 % interest since an unknown date after the first payment of {$120.00} was made. I have paid well over the remaining balance and called to file disputes 7 times. XXXX originally told me to reach out to XXXX because the store is the one who input something incorrectly, and they could resolve the error. XXXX went through the process with me and charged me for the remaining balance, and sent this information to XXXX. XXXX supervisors & managers as well as the store indicated that my purchase was eligible for the 36 months for 14.99 % as stated in the " details of my plan ''. Several of them indicated they had seen this happen to other consumers. XXXX laughed at me when I stated that the account had been charged at 29.99 % and I had never seen the statements due to the purchase being an engagement ring and my fiance being in charge of all financial accounts for our household. Once I took over the finances, I began reaching out to XXXXXXXX XXXX, who continued to place the burden on the XXXX store. I bounced back and forth between XXXX and XXXX during the disputes. XXXX store manager indicated that they never actually received any disputes or requests from XXXX. The XXXX store manager, XXXX and her corporate leaders, did an amazing job working on this and providing a resolution. Even after XXXX reprocessed the transaction and charged me the remaining balance to be paid in full, and sent this information to XXXX, they are unwilling to update the account. XXXX only processed {$130.00} of that transaction sent from XXXX on XX/XX/XXXX. XXXX is still demanding over {$1200.00}. XXXX stated to the XXXX that my account was reviewed and no adjustments were needed. I finally found the location of the most recent response that XXXXXXXX XXXX had sent to Consumer Financial Protection Bureau. In their response, they indicated that, " Weve reviewed the XX/XX/XXXX, return of {$130.00}. XXXX advised that in the return, {$2000.00} was returned as a cash refund and {$130.00} was returned to your XXXX The XXXX XXXX XXXX XXXX Credit Card. '' None of which was an accurate description of what happened. XXXX was attempting to resolve the issue that one of the employees who processed a return of wedding band as well as the previous engagement ring that I upgraded. XXXX did not apply the amounts of " cash '' to my credit account as they were asked to do. They are claiming that the money was returned to me and it was not. XXXX has since sold the inacurate debt to Midland Credit, who is now still trying to collect {$1700.00}. None of which was legally charged to my account according to my original purchase agreement. XXXX is alleging that I owe fees of {$360.00} and interest of {$450.00} total charged in XXXX ; in addition to the inaccurate total fees of {$140.00} and interest of {$550.00} in XXXX. Which is almost exactly what they are accusing me of owing, all accrued at the interest rate of XXXX percent, that was not the 0 % for a year and 14 % thereafter.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A