Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying to get XXXX to remove this account from my credit report. I disputed this with them and they wont remove. THIS WAS FRAUD ACCOUNT. I have sent the company and XXXX the police report and they still wont remove it. I did not open this account and it should be removed from my credit report.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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: I have been trying to remove these items from my credit report for over a year. I have tracking # proof also. My pastor told me about the 609 law and helped me write a letter of intent to all XXXX credit bureaus. They have not responded or provided any proof of these debts that are not mine. I am trying to purchase a home and this is causing a huge problem. XXXX : MIDLAND CREDIT MANAGE for {$980.00} XXXX MIDLAND CREDIT MANAGE for {$2400.00} XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am requesting proof of validation for this account. I am requesting the following information : The original SIGNED contract signed by myself, XXXX XXXX Proof of ownership of this account According to FCRA 611 ( a ) ( 7 ), I have the right to a description of the reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide method of validation detailing the PAST DUE balance of {$1900.00}. According to XXXX XXXX guidelines, this is inaccurate and needs to be removed from my consumer report IMMEDIATELY. 15 U.S.C. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I am now demanding a 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.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management has continued to call my phone, asking for XXXX XXXX and they have been told countless times that I have had my phone number since XXXX and no one has had my number for XXXX XXXX. I have been called a liar, received repeated calls, and when asking for the corporate number they tell me only XXXX deals with the calls. I have exhausted all my efforts to try and stop the harassment of this company but everything has failed. You block them, and they call from another number. I have spoken to corporate before about this issue but apparently, they have ignored my requests to stop receiving calls from them. I was assured it would stop but it has not...
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Incorrect data on collections acct. acct are not mines.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have not validated the debt by producing a payment history and original contract of my signature. Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company Midland Credit calls multiple times a day and from different numbers, and call daily or every day. They have been informed to contact or correspond by mail only, and have not sent any correspondence by mail to date, but continue to harass me by calling every day multiple times from different numbers.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: As stated on XX/XX/2022 per complaint number XXXX Midland Credit Management contacted me saying they will Cease and desist contacting me. But on XX/XX/2022 They sent yet another threatening letter. They are frightening me. I lost hours at my job I'm a XXXX mom of XXXX this is causing stress that they are not following laws set forth by congress or by your CFPB v Encore lawsuit.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland credit they are stealing my money from my checking account and I only have one address I live at XXXX XXXX XXXX XXXX, VA
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A