Date Received: 2023-01-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am unsure as to which company this is but they left a detailed voice mail to a relative on XXXX at XXXXXXXX XXXX with court documents and court information and asked to be called back at XXXX claim # XXXX
Company Response:
State: FL
Zip: 32832
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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. XXXX XXXX opened XXXXXXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX BANKING XXXX XXXX XXXXXXXX XXXX
Company Response:
State: FL
Zip: 34997
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: Frequent or repeated calls
Consumer Complaint: The company called me repeatedly from sun up to sun down non stop My current husband who is not responsible for my debt was contacted on his company cell phone, the representative told him that I owed them an obscene amount of money which was before our marriage and tried to get him to pay on that debt. This was done on XXXX XX/XX/2023 at XXXX
Company Response:
State: GA
Zip: XXXXX
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: Seized or attempted to seize your property
Consumer Complaint: On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022. On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment. Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work. The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site. At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Midland credit called before XXXX mountain standards time. I called back and informed XXXX who is dealing woth my account that if he was licensed in CO he would know he cant call before XXXX. That per the CFPB guidelines that is not allowed. He just kept saying mmhmm and that I called him. I stated I'm calling you because you called me at XXXX and I have rights as a detor and they can't call me before XXXX mst. I've already deputeded this debt with the company due to I have paid off my balance XXXXXXXX XXXX.
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
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: PLEASE SEE THE ATTACHED LETTERS THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT MIDLAND IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTERS DATED AND TIME STAMPED FOR YOUR REFERENCE.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter through XXXX yesterday from midland credit management saying they were going to obtain a judgement against me. The debt is from a stage credit card. XXXX has closed their stores for about three to four years and has filed bankruptcy. The credit debt was charged off at that time. I called the XXXX number provided and the person did not speak good English and could not find any account that match my name or date of birth. He then ask me for my address so he could take me off the list for future mailings. I called the XXXX XXXX XXXX and they gave me information that this company has a legal complaint and has to pay consumers back.
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit ManagementXXXX XXXX date of dispute XXXX Discharged by XXXX ( creditor ) XX/XX/16. I am getting at least 3 calls a day, 6 days a week. They have been using several different phone numbers when calling. This is harassment.
Company Response:
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I previously reached out to Midland Credit Management, about an account they are inaccurately reporting on my consumer credit report, when discussed in chat about my dispute and the need for the account to be reinvestigated. I was told that they had reinvestigated on their end and they didnt need to provide me with the results. I am sure that this account is not mine and under consumer laws Im in my rights for asking that the account to be removed.
Company Response:
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A