Date Received: 2022-10-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies MIDLAND CREDIT MANAGEMENT INC Account NumbeXXXX 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern, I have been trying for years to advocate on my behalf per my rights as a consumer against the unfair and deceptive acts committed by Midland Credit Management against my credit report. MCM obtained a debt they claim that I owe on XX/XX/XXXX. XX/XX/XXXX, I requested through certified mail, verification and validation of said debt. They did not respond to my request. XX/XX/XXXX I reached out again through certified mail. They're response was a copy of a XXXX page letter from XXXX. No names, and no amounts were listed. For over XXXX years, MCM has held me XXXX and refused to provide documentation of validation of this debt. MCM has blatantly ignored my request for documentation of validation of this debt. No paperwork showing my name, and no amounts to give me the fair opportunity to verify. XX/XX/XXXX, MCM sued me in civil court and lost. I challenged them. They did not provide XXXX single piece of documentation and the attorney did not show up to court. What is of most extreme concern and is outlined below. Over the years, MCM has not only changed the amounts reported to the credit bureaus on this account in which they claim I have financial obligation, but have also changed the account numbers ( Please see attached documentation. ) XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. After my certified letter was received on XX/XX/XXXX, MCM began changing the amounts and account numbers on the offers they submitted to me and on my credit report. XX/XX/XXXX - MCM mailed me a debt offer letter listed with a current balance of {$2900.00} account number ending in XXXX. XX/XX/XXXX - Credit report showed a balance of {$2800.00} account number beginning in XXXX. XX/XX/XXXX - Current report shows {$2800.00} account number beginning in XXXX. This has resulted in irreparable damage to my finances and to my financial reputation. I am reaching out CFPB pleading to advocate on my behalf. Not only are we dealing with a validation issue, but an issue of amounts and account numbers not adding up. All three major credit bureaus XXXX, XXXX, and XXXX have been notified for for years. All have ignored my request to fix this unfair and unjust situation.
Company Response:
State: TX
Zip: 76033
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 approximately 6 months ago XXXX XXXX XXXX, the original creditor opened an or placed an account for collection without my knowledge! I was receiving phone calls after phone calls from a collection agency that at the time I had no knowledge of. On XX/XX/2022 MIDLAND CREDIT MANAGEMENT revealed themselves on my credit report with a balance of {$480.00}. I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Actually the vehicle loan is for my husband and they called me multiple times as far I know they can call once looking for someone they have called multiple times today. I am also on the XXXX and I double checked why is the bank calling me for a loan my husband had before me I have no interest or liability on this loan.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX myself and Midland Funding Funding signed a consent judgment for a settlement payoff of {$600.00} for a {$1000.00} amount on debt. After paying {$25.00} a month the amount was paid in full said company went back into XXXX XXXX court and was granted a judgement against myself for the for the {$1000.00} amount. Never sending any court documents to appear in court for this judgment. Said company has now went as far as to garnish my wages from my employer before our court hearing tomorrow on XX/XX/XXXX about this falsely obtained garnishment.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMEN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I submitted a claim before about Midland Credit Management, and the laws that were broken against me. However, in response Midland explained themselves on their behalf, and now after 30 days have passed I reviewed my credit report again and I'm seeing all the incorrect information that is reporting on my credit report. Midland still have not responded to my request of sending me validation of the account in the specific things that I've asked them to send to me as a result of validating the account. This is a on-going battle between Midland and myself, and I am getting nowhere with Midland, meanwhile they are reporting false information upon my account all while not ever validating the account to me. It's past the 30 day allowance for me to have received the information I've previously requested of them to send to me, and it was actually sent using the CFPB portal. Midland need to remove this account off of my credit report immediately!
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland company is taking me to court claiming I owe them money. I never sign a contractual agreement with midland funding. I am not aware of this company and their claims. I have been dealing with court hearing since XXXX. I was told by the Plaintiff advice me to complete a fraudulent report to file an identity theft. Judge also advice me to fill out a report on XXXX XXXX.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, Account number ( XXXX, Account type : Auto Loan, Midland Credit Management Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A