Date Received: 2022-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I went to court for a credit card debt with XXXX XXXX also know know as Asset Acceptance XXXX XXXX XXXX and it was thrown out due to me being a XXXX XXXX not making much money and this debt is from the XXXX XXXX XXXX. This company is now using another collection agency to come after me regarding this debt. I would like for this debt to be removed my credit and not be XXXX by the nor my family members any longer. This debt is over XXXX XXXX XXXX now.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hired XXXX XXXX XXXX as my attorney to represent me in this case in court, they got a settlement agreement for me which I signed and paid off already. I have the proof of the Judge dismissing this case as closed but my credit report still reflects the case as open, which s negatively influencing me. I need someone to help me with this I have attached the signed settlement, Order of dismissal, and Notice of completion.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 MIDLAND CREDIT MANAGEMENT XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The original debt was with XXXX. The account was opened XX/XX/XXXX, and was purchased by Midland Credit Management/Midland Funding on XX/XX/XXXX. The last payment made to XXXX was XX/XX/XXXX. This debt is beyond the statute of limitations allowable for collection. Colorado law states the following : " ( 1 ) The following civil actions, regardless of the theory upon which suit is brought, or against whom suit is brought, shall be commenced within three years after the cause of action accrues, and not thereafter : ( a ) All contract actions, including personal contracts and actions under the 'Uniform Commercial Code ', except as otherwise provided in section 13-80-103.5 ; ( l ) All actions of debt under section 40-30-102, C.R.S.... '' Therefore, Midland Funding is unlawfully pursuing payment for an old debt.
Company Response:
State: CO
Zip: 81401
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: On XX/XX/2022 I received a letter by fed ex from Midland Credit Management , Inc . Stating I owe an alleged debt to there company of XXXX. The company XXXX are threatening to forward this and all my information to an attorney in my state for possible litigation, if I don't respond or pay this alleged debt. I am currently sending the company a proof of validation, cease and desist, requested information and credit/debt collector declaration.
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: MIDLAND CREDIT MANAGEMEN Reported on XX/XX/XXXX ITEM IN DISPUTE : MIDLAND CREDIT MANAGEMEN DISPUTE REASON : Accuracy There were fraudulent charges made on this account. The " Account in Dispute '' remark is missing or incorrect. Dear MIDLAND CREDIT MANAGEMENT I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. Dispute XXXX : XXXX XXXX XXXX is fraudulent account for XXXX XXXX was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management ( MCM ) does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. MCM has failed to produce the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed.. Consequently, XXXX reflects inaccurate information including personal information. My birth name is XXXX XXXX XXXX and married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and XXXX XXXX XXXX. We hardly finished overcome a bad hurricane. This is added stress
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management Account XXXX : XXXX Midland Credit Management Account Number : XXXX has been sending me notices in the amount of {$420.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent Midland Credit XXXX a letter advising them that I had recently viewed my consumer report and noticed that they were reporting false, inaccurate, and invalidated accounts to my consumer report. In my letter, I requested proper validation made pursuant to 15 USC 1692 ( g ) sec 809 ( b ) of the FDCPA. I respectfully requested that Midland Credit provide me with competent evidence and any of Midlands contracts agreements that states that I have any legal obligations to pay them for the alleged debt, as I know that this company purchase debt and attempt to collect it illegitimately. I have not now, nor have I ever done business with Midland Credit. These false, inaccurate, and invalidated accounts have been reporting to my consumer report for some time, and is still being reported. It seems that Midland Credit is refusing to properly validate the debt and/or to remove it willfully, which is noncompliance with the FCRA laws. In Midlands Credit efforts to collect on the alleged debt, there was a violation of 15 USC 1692 808 prohibiting a debt collector from using unfair and unconscionable means to collect a debt. Midland Credit violated the statute 1692 ( f ) 8 by using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram. Midland Credit sent XXXX different letters addressed to me in this manner. Unfortunately for me all XXXX letters ended up in my neighbors mailbox. All XXXX letters had the MCM symbol/logo on the front of the envelope. Its embarrassing to have your neighbors bring you your mail and states your bills was put in my mailbox. Thats defamation of character and so much more. I have attached proof of the violation. I also sent Midland Credit proof of the violation, but they have yet to do whats right. As a result of the violation of this statute, Midland Credit is liable to me actual or statutory damages and up to {$1000.00} in punitive damages per violation, which totals {$4000.00} in damages being that there was XXXX violation. I demand Midland Credit pay me what is owed to me according to the law. Im making every effort to resolve this issue out of court. Im willing to settle this matter with admitted liability and compensation of {$1000.00} for each of the violations. I expect compensation within XXXX XXXX of receiving this notice and Midland Credit will not have to pay attorney fees, or we can contact my consumer lawyer about this situation and under the FCRA Midland Credit will pay them as we are giving this company XXXX last opportunity to correct this situation.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A