Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This account was removed from my XXXX credit report, this is with attempted fraud.why do they want to charge it twice.
Company Response:
State: PR
Zip: 00617
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This account was removed from my XXXX credit report, this is with attempted fraud, because they want to charge it twice.
Company Response:
State: PR
Zip: 00617
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sent letter stating the account is not reporting correctly on my report. A 1099 was sent and this was a bankruptcy charge-off but there is still a balance.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to you today to express my deep concern regarding the blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced at the hands of your company. Specifically, you have violated codes 15 U.S. Code 1692j, 15 U.S. Code 1692f ( 1 ), 15 U.S. Code 1692e ( 9 ), 15 U.S. Code 1692f ( 7 ), and 15 U.S. Code 1692e ( 13 ). I have attached proof of your numerous violations in the form of an affidavit, invoice, and the initial response letter from your company. As a result of your actions, I have suffered significant harm, including derogatory marks on my consumer report. This is unacceptable and I demand that all derogatory marks be removed from my consumer report immediately. Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company. I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices, and your actions have demonstrated a blatant disregard for the rights of consumers. I urge you to take immediate action to rectify this situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have request a investigation of Midland Credit Management account on my credit report. The charge -off of an obligation with Midland Credit Management is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2023 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I sent Midland Credit Management the below XXXX notices and request and they continue to report fraudulently that I owe them money and I have never had any business with this company and I do not owe them any money. XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : NEGATIVE REPORTING OF AN ALLEGED DEBT TO CONSUMER REPORTING AGENCIES Dear XXXX XXXX, I do not owe you or your company any debt. I am demanding that you remove all reporting by your company from every single credit reporting agency in existence by the deadline below. I am writing to dispute an alleged debt that you have been reporting to numerous consumer reporting agencies associated with my social security account number ending in XXXX since XX/XX/XXXX. In recent months, when I reviewed some credit reports I noticed your company has been making false and negative reports about my character and credit to various credit reporting agencies. You are alleging and reporting negatively that I owe you {$12000.00} for an alleged account for XXXX XXXX. You are impacting my XXXX score, impacting my life and ability to obtain credit, lease a residence, purchase a home, purchase vehicles and you are causing me emotional harm and distress. I am requesting a copy of the original application with my original signature for the alleged account. I am requesting the GeXXXX XXXX XXXX XXXX XXXX XXXX ) reporting according to XXXX for both sides of the ledger for the full accounting of the alleged account. I am requesting that you provide copies of the original executed delegation of authority by all parties to collect on an alleged account for XXXX XXXX for {$12000.00}. I am requesting a copy of the original agreement showing that I owe you or your company anything because I have never had any business relationship of any kind with you or your company and I have never signed any agreements with you or your company. Your deadline and response with all requested documents above shall be sent to me at the address above not later than XXXX business days after delivery to you ( confirmed by XXXX online tracking ). XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested. This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above. Please provide me with the following : What the money you say I owe is for. Explain and show me how you specifically calculated the entire amount of what you say I owe. Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Identify the ORIGINAL creditor. If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. Provide me with ANY documentation which establishes your legal standing to collect anything from me. If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.
Company Response:
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a response to my previous CFPB complaint regarding the account Midland credit management acct XXXX stating that this debt was purchased from another creditor and that the inaccurate information was not placed on my credit report by them. As you have mentioned in your response the FDCPA governs you collection practices and you have admitted to so many violations. If the original creditor which is XXXX XXXX has charged off the debt that loss was placed on their XXXX return which would make the debt be written off. At the same time a XXXX should have been given to me to file on my tax returns because that charge-off would be considered to be gross or ordinary income according to the IRS. Now you have just admitted that you purchased this charged off debt which is illegal because that would mean though XXXX XXXX wrote it off they were still compensated for the sale of the alleged debt. Now 15 USC 1692f ( 8 ) clearly states that Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Your company has violated this law along with 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You have violated my privacy rights by admitting you purchased my personal information from another company.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a XXXX XXXX credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. I later found out that they transferred to Midland Credit management with a XXXX of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
Company Response:
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: There was a summons left on the address that I no longer live at for a debt that was charged off XX/XX/2019.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A