Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I RECEIVED A LETTER FROM MIDLAND CREDIT MANAGEMENT ABOUT A CREDIT CARD THAT I DON'T HAVE ANY KNOWLEDGE OF AND SAYING THEY ARE CONSIDERING FORWARDING IT TO AN ATTORNEY. I'M ATTACHING MY CEASE AND ASSIST LETTER WITH THIS COMPLIANT.
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I contacted these persons and requested an original consent form to share my information which was not provided and is a direct violation per 15 u.s.c 6801. Company names : Midland credit management XXXX credit bank Derogatory mark XXXX XXXX
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XX/XX/XXXX, postmarked XX/XX/XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, State Bar of Texas as well
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XXXX, postmarked XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, XXXX XXXX of Texas as well
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account opened on XX/XX/2021 for {$470.00}. I reached out and to XXXX XXXX [ XXXX XXXX ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. In Accordance with fair credit reporting XXXX XXXX has violated my rights. 1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy. 2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Calls are from Midland Credit XXXX. MANY MANY different phone numbers over the course of 10 years, most of which I have blocked, in the past I have advised them many times the debt is not owed and has timed out in all cases and they need to stop calling but they continue to call. After repeated calls from me asking them to stop they have blocked incoming calls from my number and now I am not able to call back or speak to them if I wanted to ( it hangs up immediately or rings forever if I call them at any of their numbers which is why I know all these numbers are theirs ). If I answer the phone when a call is received no reply and the call drops. Almost all their calls are after XXXX and the debt they want to collect is not owed, already cleared from my credit report, over XXXX XXXX XXXX, and they have been advised not to contact this number any longer. Basically, I can check almost all the boxes on this questionnaire in relation to this company that has been hounding me for 10 years.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland credit debt collection keeps reopening my acct after closing. The debt collection was from XXXX. I disputed with XXXX XXXX and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my XXXX and its been since XXXX.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: The amount that's said to be owed is from the same company that has closed the account. Also due to covid I couldn't have paid this if infact it's mine, which I don't believe it is. I feel that it should be removed from my credit report Thank you for your time in this matter. XXXX
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
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: In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights. Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.
Company Response:
State: OH
Zip: 44685
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX sold my information to midland credit mamgement. THIS is a violation by FCRA act
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A