Date Received: 2022-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. Under federal law, you have XXXX ( XXXX ) XXXX to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX XXXX XXXX of the completion of your re-investigation.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Midland Credit Management, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Midland Credit Management which is a violation of code 18 USC 1028 ( a ) ( 2 ). Midland Credit Management obtained my nonpublic personal information by illegal means. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Midland Management and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Midland Credit Management does not have actual authority for such use and from which I received no benefit. Without lawful authority, by using means of my identification Midland Credit Management is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Midland Credit Management that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship MIdland Credit Management has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-11-14
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: Hi I am XXXX XXXX, Im making this complaint against MIDLAND CREDIT MANAGEMENT for identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: MY DEBT WAS CHARGED OFF BY XX/XX/XXXX BANK OVER A YEAR AGO. They call me over XXXX times a day while am at work. I READ its againts the LAW for a collections company to try or collect money from me. That has been charged off by original creditor.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Fully paid the account of back in XXXX of 2022
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 2 unknown chargeoffs being reported negatively to my credit report. I dont know this lender account. They continue to report and damage my credit.
Company Response:
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give anyone authorization to have access to my credit report and to missus it and would like for it to be removed
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Yesterday, I received through the mail a letter from Midland Credit Management ( MCM ) with 3 options to pay a debt of {$4000.00} with Original Creditor XXXX XXXX. MCM ACCT XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX to resolve the account that was past due and the reason which was during the pandemic.Unfortunately that didnt work out. XXXX XXXX placed the account in Charge-off status in 2019. I am just confused as to three ( 3 ) years later the account was sold to a collection agency instead of trying to resolve the issue with me directly. The main issue is the fact that I did not incur a balance of {$4000.00} because my credit limit was XXXX if I remember correctly. if MCM can send me a copy of the last statement from XXXX XXXX showing that I did incur those charges. I will be more than happy to work with them on resolving this issue.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a XXXX XXXXXXXX working in the XXXX XXXX. A few fraud accounts appeared against me during a recent required security clearance check. After I contacted Midland Credit management to let then know I never had opened an account with then or XXXX bank, they hung up on me. Then they began calling my father over and over and demanded he pay the bill! I have called them over and over from here in XXXX and they hang up on me every time and say they can't talk to somebody outside of the XXXX!
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A