Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/2022, I filed a dispute against several companies when I found that there were credit accounts opened under my name. XXXXXXXX XXXX promised they would resolve my case, which they did three months after my dispute. XXXXXXXX XXXX closed the account after an investigation found that I was not responsible for opening the account. However, a debt collection, Midland Credit Management, sent me a letter asking me to pay the balance on the previously closed fraud account with XXXX XXXX XXXX for XXXX USD.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: The debit collector has called my landlord acting like my friend and causing us to have to move. The debit collector had called friends and family members about a debit and has harassed my friends, family to the point I have lost friendships and family due to their actions. They continue to call my old job even when the manager has stated I dont work there anymore. I feel this debit collector is out for me due to they keep finding old debits and are constantly taking me to court and harassing me.
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Im requesting that you validate the debt below. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. ( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond. ( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor. ( 6 ). Name and address from the original creditor. ( 7 ). Copy of the original contract bearing my signature. ( 8 ). Chain of title on this debt. ( 9 ). Proof that you can collect this debt from me. ( 10 ). Do you own it or is this debt assigned? ( 11 ). Copies of all letters sent to me from you and from the original creditor. ( 12 ). How much did you buy the debt for? ( 13 ). When was the last date a payment was made on this debt? ( 14 ). What fees/interest was tacked onto the debt? ( 15 ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation.
Company Response:
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management, Account number XXXX, Contacted me via mail regarding to attempt to collect debt. I agreed to pay XXXX XXXX Bank before they sold the debt to XXXX but there were miscommunication and misunderstanding with XXXX XXXX Bank. I do no agree to pay XXXX and debt owed to them as they will not remove the collection now placed on my credit report. Please help me remove this collection debt placed on my credit report.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently noticed a reporting error placed on my credit report from a company that I have never heard of. Midland credit is knowingly and willingly committing fraud, I have never done business with them, nor have I ever agreed to any contract with them. This file does not belong to me. On XXXX XXXX I sent this company a notice to Cease and Desist Pursuant to my rights 15 USC 1692 ( c ) this includes calls, emails, social media or any consumer reporting agency. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from " Midland Credit Management '', dated XX/XX/XXXX, stating " We are trying to collect on your XXXX XXXXXXXX XXXX debt that you now owe to MCM. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to Midland Credit Management , Inc, which is now the sole owner of the debt ''. This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe Midland Credit Management is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX XXXX XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " XXXX XXXX XXXX XXXXXXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. Below I will list off contact info they have listed in the letter : Email : MidlandCredit.com Phone : XXXX Send payments to : Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You may also call : XXXX ''
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft. A XXXX XXXX account was opened resulting in me having a balance of {$920.00}. I contact XXXX XXXXXXXX they they took it off my credit report and apologized. Now midland credit management. Is trying to collect and its on my credit report. I dispute it and they trying to say they records are accurate.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I made previous complaints to Midland Credit Management , Inc. to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management purchased debt from another company and I had no involvement in the transaction.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A