Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent documents to Midland Credit Management telling them I don't owe the alleged debt and they keep harassing me by sending me letters in the mail and calling my phone saying I owe. I don't know what is going on right now. They keep saying I owe {$13000.00} and they are falsely reporting to the credit bureaus. XXXX and XXXX show {$13000.00}. I am so confused This corporation has violated the CFPA and FDCPA before. Midland Credit Management , IncXXXX ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} billion and annual net income exceeding {$75.00} million. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email on XX/XX/XXXX. stating that a garnishment had been placed on my account. When I contacted the company they said it was for a debt and asked if the date of birth was correct. It wasn't and then I was told that the company doing the garnishment should contact me. I then received a letter about the garnishment on the XXXX of XXXX and contacted the company on the XXXX. They asked for my date of birth and my last four of SSN. The date of birth was wrong, but the SSN was correct. But they stated this was for a credit card that I never opened or had any idea of that was in my name.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft and fraudulent accounts, i was out of the country from XXXX to XXXX i never lived in the address the accounts were opened under, see police report i also have my US passport as they stamped it the day i left and came back. CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. XXXXXXXX XXXX opened XXXXXXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter dated XX/XX/XXXX from Midland Credit Management , Inc. stating that they were trying to collect a debt of {$410.00} on a supposed XXXX XXXX credit card. The last XXXX XXXX card I had was closed on XXXX XXXX with a XXXX balance amount by the creditor due to lack of use, per my credit report. I saw that Midland Credit Management , Inc. made an inquiry on XXXX XXXX XXXX about my account. I believe that this is a fraudulent letter. I have also previously received phone call messages from supposed creditors for an " outstanding '' charge of, I believe, the same amount. I never answered those calls. I will be sending out a letter to them today ( XX/XX/XXXX ) based upon one of your letter templates. Thank you for your help.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company calls me many times a day, I've repeatedly told them that the person they're calling for is not at this number, they refuse to put my number on a Do Not call list. The company seems to be Midland credit management. For the last year they've refused to even tell me the name of their company when I answer, the only reason I got it was I pretended to be the person they were calling for once, once they told me who they were, I informed them that this is not their phone number and to put me on the Do Not call list. That seemed to make the operator angry, even though I told them directly I just said yeah to the name they gave, and that was not in fact me I just needed to know what company was repeatedly calling. The operator used foul language with me and hung up.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear MIDLAND CREDIT MANAGEMENT Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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: 15 usc 16 81g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. Midland credit management accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXXXXXX XXXX. accounts that reporting false and misleading XXXX XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For OVER a year and most recently XX/XX/2023 Midland Credit Management is REPEATEDLY reporting my collection account open with a past due balance. The collection account is showing OPEN with a PAST DUE balance. This is inaccurate information. The account is in collections it is not and OPEN account and it is showing a PAST DUE balance. This is completely inaccurate. This account has been closed for years. I have called Midland Credit Management, they refuse to remove it. According to the FCRA, I have the right to a accurate credit report.
Company Response:
State: NJ
Zip: 07076
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an account on my credit file that is preventing me from refinancing my mortgage and purchasing a new car despite REPEATED disputes and communication with the company that they account and transactions were a product of identity theft. The company has refused to follow the laws under the FCRA and FDCAP in multiple negligent and willful violations however to avoid going the litigation route and seeking monetary compensation as afforded to me under the law I am trying one more time to get this account deleted with this complaint. The account in question is : Name : Midland Credit Management Account : XXXX Account Type : Open Account [ XXXX XXXX ] | Installment [ XXXX ] Account Type Detail : Open Account [ XXXX XXXX ] | Debt Buyer [ XXXX ] Bureau Code : Individual Date Opened : XX/XX/XXXX Balance : {$6100.00} High Credit : {$6100.00} Last Reported : XX/XX/XXXX Comments : Placed for Collection Date Last Active : XX/XX/XXXX [ XXXX XXXX ] | XX/XX/XXXX Despite the fact that there are clear discrepancies in the data between the three major credit bureaus the fact that Midland has completely ignored and disregarded the identity theft reports that have submitted in writing and verbal communication that this account is being disputed and no where is there any listing of the account being under dispute is a violation 15 U.S. Code 1681s-2 further its a violation of 15 U.S. Code 1681e ( b ) and for Midland 's refusal to comply under 15 U.S. Code 1681n and 15 U.S. Code 1681o. Further they violated my rights under 15 U.S. Code 1681n ( b ) ( B ) as they obtained my consumer report under false pretenses and knowingly without permissible purpose. Pursuant to 15 U.S. Code 1681a ( 3 ) these accounts should have been removed from report immediately after the FTC reports ( yes I have submitted Identity Theft reports ) were submitted to substantiate the identity theft claim. Midland has claimed that I needed to fill out their form and get a police report however we both this is not only a stall tactic but goes against what the federal law requires when disputing an account under identity theft. This entire process has been beyond stressful and infuriating as this is demeaning my character and I have been harassed about paying a debt that is not mine further violating my rights under the FDCPA. I have attached the reports that have been submitted and hope that being forced into the light instead of being able to hide in the shadows with their blatant disregard for the laws that they KNOW they are required to follow will put an end to this nightmare.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. I am retired and living on Social Security as my sole source of income.
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A