Date Received: 2023-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Collection letter with account number : XXXX with a balance of {$51000.00} from an old account. Which has a date of last payment XX/XX/2013 this account is already outlawed and with misleading practice tries to collect this account. When I call I give them the account number and they answer me with another number and another person name. Insisting that if I listen to them to try to get me to tell them yes. And edit the call using my voice to use as if I affirm the debt.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A XXXX ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a XXXX account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This company repeatedly calls me and family members. The debt is well over 10 years old. Collection agency hangs up on me when I try to ask for verification dates.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXX of XXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXXXXXX XXXX XXXXXXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original debt was from an old Capital One Credit Card Account. XXXX XXXX XXXX XXXX was not the original credit card company nor were they represented as a collections agent for Capital One, even though they say they are. Capital One confirmed that XXXX XXXX management is not the debt collector on this account. XXXX XXXX purchased this debt from Capital one and then sued me saying that I owed the money, even though I did not have any credit or an account with them. I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for Capital One, hey have the right to sue me anyway. This was on XX/XX/2021. I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed Capital One. I have legal paperwork from the court that is notarized by the courts, which shows this amount. XXXX XXXX XXXX insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX XXXX XXXX Department to serve me paperwork stating that I need to list all my assets that the XXXX XXXX Department would confiscate and surrender to XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original debt was from an old XXXX XXXX Credit Card Account. Midland Credit Management Inc was not the original credit card company nor were they represented as a collections agent for XXXX XXXX, even though they say they are. XXXX XXXX confirmed that Midland Credit management is not the debt collector on this account. Midland Credit purchased this debt from XXXX XXXX and then sued me saying that I owed the money, even though I did not have any credit or an account with them. I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for XXXX XXXX, hey have the right to sue me anyway. This was on XX/XX/2021. I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed XXXX XXXX. I have legal paperwork from the court that is notarized by the courts, which shows this amount. Midland Credit Management insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX Sheriff 's Department to serve me paperwork stating that I need to list all my assets that the Sheriff 's Department would confiscate and surrender to Midland Credit management.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This account was removed. Then re inserted in into the XXXX credit reporting agencies. Account is statue of limitation. Opened on XX/XX/2015
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This debt collection company has called my phone repeatedly for over a year now. When told that I am not the person they are looking for, they lie to me and say they will remove my phone number. They continue to call and this time they called me past XXXX. I am fed up with this unprofessionalism. Their phone number shows as Midland Credit XXXX. Blocking their phone number does not work, they always get another number to call and harass you.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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: Two Verification of debt letters were sent to XXXX. Transition did not investigate or provide me with any verification of debt. The amounts are {$1300.00} and {$1500.00} for Midland Credit Management.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A