Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.
Company Response:
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company. Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details. You can email or call me on the below mentioned Phone number and refer to reference number # XXXX. Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.
Company Response:
State: CO
Zip: 81401
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For numerous times I have contacted XXXX XXXX to call their attention regarding the incorrect and inaccurate information of this account. I thoroughly reviewed the past reporting and I noticed the balance reported for the few months it keeps on changing. It started in XX/XX/XXXX with {$1800.00} balance, XX/XX/XXXX balance is reported as {$1800.00}, in XX/XX/XXXX it shows {$1800.00} and now in XX/XX/XXXX its {$1800.00}. I never agreed to pay interest or fees applied to this company debt and I never did business with XXXX XXXX. I am filing this CFPB complaint for not doing an investigation for the concern I mention. I need the CFPB to look into this and have this reporting taken off as promised AND my credit restored to perfect.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit continues to harass me with false accusations of a debt, I have now received a Pre-Legal Legal letter from this company, and they have not validated any debt. I have asked on numerous occasions to provide proof of debt a signed contract with my signature consenting to any debt, I am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. Furthermore, I requested them to cease and desist all telephone communication through my residential or employment numbers. XX/XX/2023, Midland Credit violated my rights and called my phone after I requested them to STOP all communication, any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. I have reported this company to The Indiana Attorney General Office and Better Business Bureau. I also have forwarded a copy of their said letter to an Indiana Attorney. I appreciate your efforts in this matter and look forward to your response. IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: within the past 6 months i have sent numerous certified, registered mail letters attempting to validate the debt. they will not answer any of the validation Questions they respond with letters threatening to seek a lawyer where I live to sue me without even validating the debt.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Creditor ; Midland Credit Management is attempting to collect a supposedly owed debt in the state of XXXX. However, according to XXXX XXXX XXXX, records show that they do not possess the proper license to collect debt in XXXX, which is the state I reside in. In the state of XXXX, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Midland Credit Management sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. This credit card debt is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was XXXX on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to Midland Credit Management ( " MCM '' ). I filed for XXXX Bankruptcy on XX/XX/XXXX. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to Midland Credit Management , Inc . The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and the XXXX XXXX # XXXX was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was settled in court via lawyers and was paid but it was added as a payment to the debt after all documentation was sent
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX sent information and I got served by. XXXX. The collection agency has an incorrect amount of what owe. I get countless mail. XXXX XXXX contacted them before being unable to keep up with their excessive late fees and over the limit fees and was told they was no program that i could in at the time. I get non stop calls
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A