Date Received: 2024-01-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The website says there not connected and when I call I told to call after XXXX In California Im in XXXX
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this accout show that it open and it has a past do balance, this info is completelly inaccurate, please remove this illegal info, its a shame how we let these collection keep on distroying people and nothing gets done
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX XXXX I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank XXXX that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from XXXX XXXX Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX $ from midlands credit collections a third party company that calls and harassing me and I told them I'm not able to pay do to fraud and my information was stolen and they keep calling and I'm trying to fix it
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts 5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 6. Please provide ( a ) : copy of the certified, notarized contract made between ___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________and any of the previous alleged holders in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor that you are under contract with them and authorized to act for them and forward a certified, notarized copy of the licenses ' and Bar Card Numbers of any and all Attorney 's involved in this fraudulent action to operate in all creditors ( b ) contact information of your hazard/insurance bond holder to allow me to place a line against those funds until a court hearing. 7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 3 ) davs and continue your fraudulent actions pertaining to this alleged debt you agree to pay to me, {$10000.00} by bank check, 8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name. Should you REFUSE OR FAIL to comply with the terms of this DISPUTE AND REQUEST FOR VALIDATION and choose to pursue this matter further, you will be doing so to your own detriment. You will be brought into a full-scale FEDERAL TRADE COMMISSION `` COMPLIANCE '' investigation for your unlawful conduct and fraudulent behavior by the agencies listed below. All your fraudulent actions and claims will be exposed to all fines, damages ( treble damages ) and sanctions will be brought to bear against you. remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had filed a dispute in XX/XX/year> and my paycheck was still garnished although there was a dispute that was in progress through Midland Credit management. I had the item removed from my credit, and they still garnished me. I have made attempts to resolve this with Midland XXXX management with no success
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was in the process of getting a XXXX from my bank. On XX/XX/XXXX I received an e-mail that advised me that I had a judgment against me in the amount of {$1700.00} from Asset Acceptance LLC that I must pay in order to get my loan. I tried to find out who or what that company was and it turn out to be a default judgment against me on XX/XX/XXXX because I missed pre-trial. I was never notified or summoned for court. When I tracked down the new company that took over Asset Acceptance LLC, Midland Credit Management Services, they said I now owe them {$4400.00} for a XXXX XXXX account that was opened in XXXX. I do never opened an account with XXXX XXXX and I have no knowledge of this debt. They said I'd have to do an affidavit ftc.gov or police report to dispute it. I went to the local police, because of the age of the debt, they need more evidence and could not file a report. I'm trying to reopen the case for the judgment against me because I was never notified and this is a fraudulent account.
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management filed a lawsuit that stating that I owe {$2000.00} stemming from XXXX XXXX in XXXX. I went to court to advise this was not me they requested a fraud investigation. I filed information and mailed copies to firm. I still was notified to come back to court on XX/XX/XXXX @ XXXX where I will present my documents to the judge.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On my XXXX credit report Employer name checking account XXXX XXXX XXXX XX/XX/XXXX is not my employer. I want that inaccurate info removed per 15 USC 1681. On my XXXX credit report, my Experian credit report, and my XXXX credit report I need the XXXX XXXXXXXX charge off removed since when the debt was bought it became a certificate of indebtedness and is now income and income can't be reported via Irs publication. XXXX5 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681 inaccurate reporting on my XXXX credit report has XXXX names that are not mine and need to be removed, XXXX non mailable addresses that need to be removed, and the removal of XXXX of the Universal Lawn Appeal because there is XXXX of them there. On my XXXX credit report there are XXXX names and XXXX non mailable addresses I need removed. My XXXX credit report, my Experian credit report, and my XXXX credit report I would like to opt out of Midland Credit Management XXXX for Ads/Comenity and Credit XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I was never told I had the option to opt out by any of these companies. Under XXXX CFR XXXX ( f ) XXXX right to opt out. A consumer XXXX exercise the right to opt out at any time. 15 USC 6802 : Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Under15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are not allowed on a consumer credit report.There are 2 capital ones on my Experian credit report and there should only be the one dated 04/10/13 Im requesting all inquiries promotional, account review, hard and soft inquiries on my Transunion credit report, my Experian credit report, and my Equifax credit report 15 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Description of the specific details of the violations, including any inaccuracies or actions that are inconsistent with the mentioned statutes and regulations that has caused damage and defamation to my character. Credit bureaus such as XXXX XXXX, XXXX, and XXXX have potentially deviated from Consumer Reporting Agency ( CRA ) standards by failing to adhere to accurate and fair reporting practices, violating consumer rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements that might prompt concerns about their alignment with the standards expected of a Consu mer Reporting Agency. The reported inaccuracies in my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers that are no longer current or relevant means of communication. Additionally, there are outdated employment details that inaccurately portray job instability, debt transactions including late payment, potentially compromising the confidentiality and privacy of my information. These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations governing accurate and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. I request a thorough investigation into these inaccuracies and prompt correction in accordance with the FCRA. Your attention to these matters is crucial to maintaining the integrity and fairness of credit reporting. I demand an immediate cease and desist of unauthorized credit reporting activities concerning my account. The reported information is in violation of the Fair Credit Reporting Act ( FCRA ), including its guidelines for accurate, timely, and fair reporting. This includes the No Parking Rule, associated with the fair Credit Reporting Practices Rule I insist on a fair and thorough investigation into these violations, followed by the removal of any unauthorized and inaccurate information from my credit report. I request a fair and thorough investigation into these matters and a written response addressing the following :
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A