Date Received: 2022-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
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 disputed the same item its Midland credit management. I contacted them and tried to get this settled and disputed the correct way multiple times, The company refuse to work with me. So then I disputed it on XXXX three times. This last time that I tried to get this disputed I uploaded all my documentation backing up the order of dismissal that was signed by a judge in a court hearing. And I got my results in this evening and its just said that it was updated and not removed from my credit report. The order of dismissal was signed in XXXX of this year and its still there and I keep fighting to get it removed and nobody is helping me Ive contacted XXXX multiple times I cant get through to an actual person Ive contacted the creditor multiple times and they refused to help me because I paid a lawyer to take this to court. I dont know what else to do at this point besides to file a complaint to try to get this removed from my credit report this is hurting me and I have paid my dues Ive got the lawyer to take it to court and we won and now they are not recognizing my legal paperwork.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX charged off account on XX/XX/14 for {$340.00} bad debt. Then Midland credit management bought the debt to collect from me with a different amount. of {$590.00}. The statue of limitations has passed. This debt is no longer my responsibility. Please help
Company Response:
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Credit card debts over 6 years but they still want me to pay do I have to or is it a zombie debt and to old to have to pay. Ive been paying a small amount for awhile now on XXXX different accounts but they sent letter saying they cant sue or report me to creditors what can I do
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response:
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: In XXXX I found out that I had a property lien which I wasn't aware of. The attorney handling the closing could only tell me the it was for XXXX Bank. To which I responded, we have a payment agreement so I didn't understand why they would have a property lien. Midland Credit is the collection agency that purchased that debt so I called their " legal '' department. During this conversation, I asked about the property lien, why there was one since I had a payment arrangement and had been making my payments faithfully. They led me to believe that they had in place the property lien and need to cancel my payment plan. I protested the canceling of the payment plan, but they said it was necessary in order to resolve the property lien ( paraphasing ). My response was what if it doesn't go through I needed to go back on my payment plan. I spoke with a manager regarding this. Well it wasn't true at all. They were very deceptive. They did not and does not have a property lien. It was a different entity. I feel very lied to and manipulated with the goal of getting my payment plan canceled by any means necessary. I've placed XXXX phone calls today, the first as I was about the explain what had happened she cut me off asking me if I were XXXX XXXX in a very curt manner. I asked for a manager at that point. Told no manager was in the office. Made to other attempts to discuss what happened and to reinstate my payment plan which the woman manager I spoke with said wouldn't be an issue.
Company Response:
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from Midland Credit Management , Inc stating I owe them a debt again after I already told them to cease and desist. Today I looked on my consumer credit report and Midland Credit Management , Inc has a collection on my credit.
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022 I sent a cease and desist letter to Midland Credit Management to cease all communication with me. The company responded on XX/XX/2022 in a letter that contact would cease. As of XX/XX/2022 there are XXXX new collections on my consumer report by Midland Credit Management regarding the XXXX accounts listed in the letter. Per 15 USC 1692a ( 2 ) the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. The definition of the term medium is an agency or means of doing something. The medium in this instance are the consumer reporting agencies. Midland Credit Management are now communicating with me indirectly by reporting these XXXX accounts to the CRA 's and they are violating the cease and desist notice they acknowledged they received. Secondly as you can see from the letter sent on XX/XX/2022, although the account number is listed on my consumer report, Midland Credit Management mailed the letter to a different name/individual.
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Was sent a letter from MIDLAND CREDIT MANAGEMENT stating that I owed an Alleged amount of {$260.00} with XXXX XXXX XXXX This debt is not mine and is fraudulent in nature.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A