Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NOTICE OF IDENTITY THEFT AND CONSUMER FRAUD PURSUANT TO VIOLATIONS OF 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Midland Credit Managements UNAUTHORIZED USEAGE OF PRIVATE IDENTIFYING INFORMATION BELONGING TO XXXX XXXX Addressing : XXXX XXXX Chief Executive Officer This letter is being sent in reference to any and all accounts and resulting files created and maintained by Midland Credit Management whereby private identifying information belonging exclusively to XXXX XXXX has been or is currently being used for commercial purposes and transactions without the expressed written consent of XXXX ; BANKS in violation of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. ( identity theft and consumer fraud ) Pursuant to 810 ILCS 5/ et seq XXXX XXXX or any other responsible agent of Midland Credit Management must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of XXXX XXXX XXXX a living flesh and blood agent of Midland Credit Management and a non-interested third party as witness to said contract that may exonerate XXXX XXXX from the claims of identity theft and commercial fraud of which Midland Credit Management is being accused. If agents representing Midland Credit Management can not provide or make accessible the requested proof of contract within thirty days of their receipt of this presentment, then a check of {$9900.00} made payable to XXXXXXXX XXXX XXXX on behalf of XXXX XXXX as a religious contribution will be accepted as compensation and no further legal action regarding this matter will be initiated nor further compensation sought regarding this matter. Should agents of Midland Credit Management choose silence as acquiesce in response to these heretofore mentioned allegations, a criminal complaint will be filed against XXXX XXXX with the XXXX XXXX XXXX and the CFPB, a summons issued and judgement sought for that initial {$9900.00} plus compound interest for every day beyond the thirty days given as a grace period in which proof of said contract was to be provided by Midland Credit Managements agents. All rights reserved without recourse /s/ : XXXX ; XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: the problem is with a debt from a vacation club membership in 2019 in the state of south carolina they offered me a vacation timeshare. that I was going to buy but I couldn't do it anymore and I canceled the purchase even though I lost some payments that I made. but after XXXX years I receive a letter from some debt collectors, who tell me that I have to pay for the use of a credit card to make the advance payment for that membership, with a card that I have never had or with an account of credit that I never requested to make that payment, they sued me, for that reason I responded, to the demand and even so they took me to court and even though I explained the situation in court, the judge agrees with the collectors not because they have reason, if not because I supposedly did not file an affidavit, and now they send me a letter threatening me that if I do not contact them they will open a lawsuit to charge me, and it is that I do not understand why they want me to pay for the use of an account or a credit card that I do not have or authorize and that apart from that I do not receive anything for the payment of that amount that they want me to pay, I would not even receive the membership that I do not want or wish to buy and, apart from that, they take me to court in the state of North Carolina where I do not That purchase was made, my XXXX is not very good so I would like you to guide me on what I can do to be able to face and resolve this because it seems unfair to me that they want me to pay them a loan that I did not request and that I did not sign any document with the people who want to charge me and apart from paying them for nothing because I do not receive any benefits for paying that money that I did not request or use
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After reviewing my credit report I have noticed several accounts that do not belong to me. I ask that these be removed.
Company Response:
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: i was served papers saying i was being sued, i checked my credit report found no debit that was being put towards me using the name XXXX my name is XXXX, i have responded. In the sopena its states they have tried to contact sent letter, this is a false statement i have no knowledge of this debit again its not on my credit report,
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was given a Garnishment XXXX work for the following card : Midland Funding LLC aka Midland Credit Management who has now taken over the company and/or debt. I have written ( Certified receipt ) to the company and asked them to send me information on the original contract and to show my original signature to prove it was my debt. I have also joined a credit system company to get my finances in order as well as my credit.
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: : For ; My-CLAIM-is with My-KNOWLEDGE- of The-FACTS ; in ACCORDANCE WITH 15 USC 1692 ( G ) VALIDATION OF DEBTS ; FAILED ; ALL-FINES-UPTO- {$5000.00}, OR 5-YEARS-IN-PRISON, OR BOTH ; OR MORE ; - : False or Misleading Representations 15 U.S.C. 1692e ; - : Harassing or Abusive Practices 15 U.S.C. 1692d, by ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX I ; XXXX ; XXXX XXXX DEMAND ; XXXX XXXX XXXX CEASE-AND-DESIST-NOW. : ALL-COLLECTION-ACTIVITY ; By ; XXXX-XXXX-XXXX, XXXX ; IS-FRAUDULENT .
Company Response:
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was served a papers to appear in court in reference to an attempt to collect on an alleged debt by MIDLAND CREDIT MANAGEMENT INC. due to them purchasing debts from other unknown entities which I have never done business with or heard of. I have never done business with such named company. They have attempted to collect a debt by sending me court document which is a violation of my rights. They have not done their due diligence in order to verify the debt, sent me purchase bills of sales in which none state my name and some how used an old statement that I believe they got unlawfully. Proceeded to send court docs as an initial form of communication with the intent to cause harm during the holidays. I sent the a cease and desist and a debt validation letter certified. which they have not answered. they have sent me wrong information nor do I know how this company got my information in the first place when I have never done business with such named company.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Negative collections disputed and result states they were removed from credit report but they are still showing on my credit report and have not been removed
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and XXXX need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail. It will not let me log into XXXX or XXXX to dispute either. Please update my info too match this complaint address of mine.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A