Date Received: 2022-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: This company Midland Credit has called my little sister in XXXX and told them that I have a debt with them and if I do not pay I will be in trouble. They have violated my rights, I also found out today that I am being sued and I do not live in that state that they are suing me in.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my information to apply for credit card. I didnt receive any information about that credit. Then they used that credit to shopping something in XXXX while i am living in XXXX. I am trying to disputing but it doesnt work!
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has been calling my mother 's home for the past few months, upwards of 3 times a day. It's some woman that keeps calling. Every time my mother would pick up, she would say " she's not here may I take a message '' and they would respond " no '' or " I'll call back '' and hang up in my mother 's face. Well finally someone mentioned who they were and yes, I was livid. I have already received a letter from these people, but I am unemployed, as I have been for several years now. How in the XXXX did they get her phone number and why are they harassing a XXXX year old woman? The constant hanging up in her face, calling in the morning, afternoon and evening hours only to hang up and leave absolutely no name? Stop calling her! I have your letter and once I am employed I will definitely make a payment but these folks have no right to keep calling. I've already contacted the state attorney general ( Texas ) but I may take the extra step and contact the one in California since they are located out there according to their address. Stop calling my mother! NO MORE PHONE CALLS! I will respond as soon as my finances allow!
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I owe Midland collection company a total of XXXX dollars and they call my phone at least XXXX times a day from similar numbers back to back.
Company Response:
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. XXXX XXXX XXXX
Company Response:
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hi, I have not knowledge at all of coming into any agreement signed or otherwise with MIDLAND CREDIT MANAGEMENT. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by MIDLAND CREDIT MANAGEMENT that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my XXXX credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management continues to attempt to collect a debt in the amount of {$900.00} and negatively report this questionable account on my consumer report even after they have failed to properly prove that I am in the person responsible for this debt. I asked for the signed contract with my signature to prove this account belongs to me and you have not done that. I did not ask for a statement on my consumer report stating that I am disputing this account. This account needs to be removed completely asap. I have sent them communication and have yet to get a response.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A