Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have XXXX XXXX accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( Midland Credit ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to Midland credit so i called there. The representative at Midland credit agency, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Today ( XXXX XXXX, 2022 ) Midland Credit has already called me twice. The only reason I believe it is for credit problems is because I XXXX the company. They call me over and over, more than once a day usually. I have excellent credit and have never owed any money to any company. Perhaps they have me mixed up with someone else because I have no idea why they keep harassing me with phone calls. I have never answered any and always block the numbers. But they seem to have endless phone numbers to continue calling me. I always report it on the regular " Do not call registry '' to no avail. I hope you can take action that will stop this harassment. Thank you for your help. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 1681 section 602 states I have the right to privacy 15usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as a late for any purpose
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account Midland Credit Management has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX complaint to credit bureau of an account in the name of XXXX XXXX XXXX on my credit report. XX/XX/XXXX same account reappeared on my credit report and put in a second complaint with XXXX Current cease and desist at time of complaint. Fdcpa violations Continues to collect a debt not owed as it is not in my name and someone elses. As well as attempts before cease and desist. Improper contact or sharing of anothers account by phone and by mail. ( Only verification was using first name and last name and no other identification to validate debt with correct owner. ) Calls and mail collection harassment : continued calls and collection letters for a debt that is not in my name. Some robocalls or duplicate calls within a couple minutes of each other by the company in the begging of trying to collect. Even beyond the cease and desist. Current collection letter dated as of XX/XX/XXXX. And a call made on XX/XX/XXXX. Discussion of another persons debt by a collection company to an individual not associated with that account by phone and collection letters. Cease and desist with continued collection efforts by phone and mail. Ftc report XXXX Also filed with XXXX XXXX XXXX and Illinois XXXX attorney office. Collection company removed the middle initial on collection letters in the hopes of being able to collect from anyone with that name. By midland credit company
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I've be had this account since XXXX. I've made on time payments, they took it up themselves too give my information to another creditor, all because of late payments. The original creditor is XXXX XXXX XXXX XXXX.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A