Date Received: 2023-01-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX i sent a Cease & Desist letter to Midland Credit Management by certified mail recept # XXXX. XXXX tracking shows letter delivered on XX/XX/XXXX. In XX/XX/XXXX at XXXX a collection call from Midland Credit Management with voice mail.
Company Response:
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2023, I received XXXX unknown phone calls. When I answered it was a debt collector who stated I owe them money. And that they purchased the debt. I have never heard of nor contracted with this company. During the phone call the following FDCPA violations were made 15usc1692 ( C ) a ( 1 ) 15usc1692 ( D ) 5 15usc1692 ( D ) 6 15usc1692 ( E ) 2b 15usc1692 ( E ) 6b 15usc1692 ( E ) 10 15usc1692 ( F ) 1
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
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: XX/XX/2023 Case # : XXXX MCM # : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX whomever this may concern, Thank you for your response to my CFPB dispute but the response did not address my concerns. In the connected response, you stated youve supplied me with a Letter of Verification but the address you sent said letter to is an address that I am NOT associated with. I do not nor have I ever resided at XXXX XXXX XXXX. This proves youre violating 15.U.S.C. 1681i, alleging the account is verified but you failed to properly reinvestigate. If you were to have properly investigated my account as claimed, clearly my consumer report lists my address, both current and previous. You are alleging that you have no control of what the credit bureaus post despite reporting to them monthly. I have disputed several times and each time the credit bureaus state YOU ; the creditor hosts the investigations. Your letter further proves youre STILL in violation of 15 U.S.C. 1681 S-2 ( a ) ( 1 ) ( a ) because your letter states this account has been Charged Off but it has a Past Due balance. Ive never received a 1099 C document for the Charge off and the past due balance falsely manipulates the statute of limitations which is another FCRA violation. In addition to that, you are reporting different balances to the creditors. XXXX and XXXX are reporting a balance of {$1900.00} and {$1900.00} to XXXX in addition to High Balances. You are sending information to an inaccurate address, youve also sent invoices but those invoices do not confirm my identity. Your response also further proves youre violating 15 U.S.C. 1681 602 ; youre still reporting on my consumer report AND sending invalid information to address where I do not reside further putting my identity at risk for theft. You have no regards to my rights and clearly ignored my request to Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request. If you do not intend on replying with requested information or a proof of deletion within the allotted 15 days of receipt of this letter, send payment {$1000.00} made payable to XXXX XXXX. You have violated my rights as a consumer and I deserve to be fairly compensated.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court. Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied. They still have not served me with court documents to appear in court. Midland wants to garnished wages from employment when I can't even keep up with regular bills. The thread of garnishing my wages have me in a state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court. Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied. They still have not served me with court documents to appear in court. XXXX wants to garnished wages from employment when I can't even keep up with regular bills. The thread of garnishing my wages have me in a state of anxiousness, unable to sleep, and health problems.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I received a call today ( XX/XX/2023 ) at XXXX PM XXXX to my cell phone number from Midland Credit ( XXXX ) XXXX. I called them back and asked why they were calling after XXXX PM when the Fair Debt Collection Practices Act forbids calls that late. They claimed theyre looking for XXXX XXXX spelling unknown ) and I said I dont know the individual. Ive had this same number for 16 years so either this person gave my number fraudulently or someone made a typing error.
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: PLEASE SEE THE ATTACHED LETTER 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 XXXX IS LICENSED IN THE STATE OF XXXX 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.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Should be addressed with XXXX and Midland Credit Management. This is against my rights as a consumer. The Collections Account - Midland Credit Management is inaccurate and should be They are trying to collect on an account that was paid and satisfied. They are trying to collect on an account that was paid and satisfied in XXXX XXXX XXXX. Please see the attached documents for reference. This is not my debt they have put this on my credit multiple times now. This was removed before from all three bureaus but XXXX allows this to be put back on. My Attorney XXXX XXXX XXXX XXXX & XXXX Attorneys ( XXXX ) XXXX at law is in the process of Suing for this false collection against midland.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MIDLAND CREDIT MANAGEMENT has never proved this debt belong to me legally.
Company Response:
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A