Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I check my credit report constantly. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper five validation procedure which makes this an unfair practice.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Midland Credit Management Inc. and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Company Response:
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: MCM took funds out of my XXXX XXXX XXXX joint checking account they stole XXXX. Dollars and XXXX.Dollars saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving XXXX XXXX I filed a complaint with XXXX XXXX XXXX they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and XXXX XXXX XXXXXXXX let them I've had this account over XXXX years thought XXXX XXXX XXXXXXXX was a reliable company I guess I was very wrong
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company midland credit management has contacted me about a debt that does not belong to me after telling them multiple times they have the wrong person and not to contact me anynore they continue to call and when I answer they stay silent and then hang up. They keep harassing me.
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company. I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : MIDLAND CREDIT MANAGEMENT Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g, more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. This is an ALLEGED debt that I do NOT owe. Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies. You had no permissible purpose by law to report this alleged debt and have violated 15 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law. UCC Article 9-210 ( 2 ) is noted below. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. ( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ). ( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request. If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation. Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report. Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies. CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: 1 - Hello, onXX/XX/2022 I wrote a letter to Midlland Credit Management in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 2 - Also on XX/XX/2022 XXXX XXXX XXXX has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is saying I owe XXXX for a old XXXX XXXX account from XXXX. This debt was bought in XXXX by Asset Acceptance and went though the court system. It was paid in XXXX and the court issued a " Satisfaction of Judgment '' on XX/XX/XXXX. I've called Midland 3 times and was transferred to multiple associates and told to call back to speak with other departments. I will be mailing them a copy of the judgement even though I shouldn't have to do this but this is still Midland coming after me a debt that is not owed.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX Tuesday I was in my office and my desk phone rang. Because I was with a customer I ignored it, but the phone rang back to back XXXX times. Then a forth. I answered it because I thought it was an emergency. I excused myself from my client who was sitting in front of me and I said hello. A guy says is this XXXX, " I said is this an emergency? '' He says " no I have some good news for you is this XXXX. '' I said " if this is not an emergency I am hanging up ''. He says " so it is XXXX, This is an attempt to collect a debt ... '' So i got very upset because this man is playing on my phone when I am trying to conduct business at work. He tried to trick me to validating a debt that I don't know about. Plus stressed me out by calling my job back to back having me thing that there was an emergency. My mother is a very woman. Has been all of my life. Cals like this alarm me and messes with my mental capacity to perform at work. I already told these people to stop call me after hours on the east coast.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Default date XX/XX/XXXX XXXX charged off XX/XX/XXXX Total Due XXXX XXXXXX/XX/XXXX This debt has been disputed for 15 + years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original acc.statements has been requested by me from Asset Acceptance Recovery services llc on XX/XX/XXXX by certified mail ( have all the proof ) and so with other previous debt collectors.Check all your files it is all in there, sofar all my complaints, disputes and request for complete validations have been ignored also all my complaints with the XXXX, CFPB nd FTC.The debt aint mine. Why is Midland Credit Management Inc.knowing all of this with no proof of any kind trying to collect in behalf of Asset Acceptance , LLC. with no proof of any kind ever provided and so did none of the others. Your all in violation of the fair debt collection act. the fair credit act. and defamation of charather.I demand a immediate respond to my complaint knowing all of this i will also consult my legal counsil for suit.I will also file another complaint with the FTC, XXXX and the Attorney General ' s office .A COMPLETE FRAUD.
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX. Midland credit management. Amount XXXX Have already paid XXXX XXXX XXXX almost XXXX XXXX for a debt I didn't owe. My identity was stolen from me without my knowledge my XXXX XXXX used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX I barely pay my bills with my part time job XXXX hours a week. I have no family or any support. In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA. The reference number for the police report is XXXX. And for the identity theft reference number is XXXX. Please help ASAP. Thank you.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A