Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland credit management balance {$130.00} XXXX XXXX XXXX balance {$110.00} In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It all started back in XX/XX/XXXX when I pull my credit report from XXXX XXXX XXXX and XXXX and XXXX XXXX. When I noticed a collection hit my report, the collection was made from Midland credit management at that point I knew they had already violated my consumer protection act, 15 USC 1692H section 809 a within five days after the initial communication with a consumer in connections with the collection of any debt a debt collector shout unless the following information is contained in the initial communication or the consumers pay the debt send the consumer a written notice containing certain information. Midland did not send me any communication or even reach out to me they simply just went on and put it on my credit report. On or about XX/XX/XXXX I filed a complaint with the CFPB complaint number XXXX stating that they were an accurate reporting on my credit report and that I want certain information to validate this debt. Midland never even answered your complaint as you stated that they would. So on XX/XX/XXXX I pulled my report again from experience file number XXXX XXXX. And explain it to Midland that under the 15 US code 162 I have the right to ask them for validation of the debt. What I did ask them was for the original contract payment disclosure interest rate disclosure balance history payment history and credit insurance. I gave them 30 days to respond and they did not respond. On or about XX/XX/XXXX I pulled my credit report from XXXX XXXX reference number XXXX I noticed it was no change from Midland credit. On XX/XX/XXXX Midland sent me another letter stating that his debt was being old and that the accuracy and credit reporting was correct. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX and XXXX explaining that this collection is reporting in accurate and that's a violation of my rights and that I wanted this account to be removed nothing never happened. I on XX/XX/XXXX I sent another letter to Midland explaining to them and ask him them where is the validation of this debt and I was executing, right under the FCRA and I went into state the violations the I found while dealing with Midland these are the following violations that I told them that they were violating 15 USC 1690 to b ( 2 ), 15 use 1692F ( 8 ), 15 use 1692b ( 5 ), 15 use 1692j, 18 use 1028a, 15 use 1692e ( 11 ), 15 use 1692 ( g ). Once I stated this to them I kindly asked him to please remove the debt and which I could collect {$1000.00} per violation and as you can see the seven violations and that one letter which is {$7000.00}. On or about XX/XX/XXXX I found another complaint with the CFPB for a improper use of credit reporting and once again Midland did not reply nor did they delete the collection of my report on all about XX/XX/XXXX XXXX XXXX since me a pre-legal notification pretty much threatening me on or about XX/XX/XXXX Midland since me another accurate of credit reporting. Going on about XX/XX/XXXX I sent Midland XXXX and desist letter asking them per the Federal credit deck collection act 15 USC 1692C you are here by notified to immediate seas communication concerning the Collection of the debt associated with the above reference account. Midland still didn't care. Oh no about XX/XX/XXXX I sent another letter to XXXX XXXX XXXX and XXXX asking them to please remove this credit collection off my report because it's reporting in accurate. On I vote XX/XX/XXXX I came across a court document case number XXXX XXXX XXXX the bureau of consumer financial protection versus encore capital group and Company Midland funding LLC Midland credit management and Company an asset acceptance capital courts which means that this company has been sued for an accurate in answering disputes I also came across in XX/XX/XXXX the violations that was stated in the complaint regarding Midland please take a read of that at this point at this point I gave it a break for a minute to regroup on what my next action was I'm trying to get this company to remove this collection or provide me the information stating it's my debt and they're able to collect in the state of New Jersey. XX/XX/XXXX Midland decided to send me another pretty legal notification threatening me to take me to court so once again I sent them another letter stating to validate this debt, and after receiving that letter I called him and asked him what was the subtle amount they told me there was none they want a full payment Midland has been reported every month different amounts on my credit report one amount will be XXXX the next amount will be XXXX they're doing this to keep prolonging the time that this debt will be removed off of my report XXXX of this month Midland since me another threatening prelegal notification but nothing. At this point I feel like Midland ruining my life and stopping me from being able to get other credit from other people this is a defamation of my character and for that reason I am asking for this account to be deleted from off of all three credit reporting and I am seeking monetary relief in the amount of {$4000.00}. If you take a look at complaints XXXX, XXXX, XXXX you will see me and then does this and they have been sued over and over again please look at your complaints even with your company who have sued XXXX for doing this kind of stuff
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XX/XX/2021 midland credit started calling me and making threats to sue me if I don't pay a debt that I have any knowledge about. I continued to explain this to the company and they didn't stop with the calls one lady asked me if I was ready to go to jail. My identity was stolen. I was not even given any notice that I can even dispute this just a bunch of threats.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection. Enclosed may be additional evidence to support my claim. Sincerely,
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We have a garnishment agaouint us and we have been having payroll deduction since thew court case. On XX/XX/XXXX we made a large payment against our judgement of {$4700.00}. We had a few more payment garnishments in XXXX and XXXX. During these garnishments we actually have paid enough of the debt and now we have actually over paid approx {$400.00}. Because of my work schedule my husband has been in conmtact with Midland. He has contact Midland Credit Management over 5 times to discuss the balance and over payment. I even requested verbally and via email a complete payment history and interest charge for our account. They told me I can receive this information online which only goes back 1 year. I told Midland this and they said they are not under obligation to give me payment and interest charges history. I am asking for this to see how much we were charged interest because I received a statement from Midland on XX/XX/XXXX showing a balance due of {$62.00}. Then he got online on XX/XX/XXXX and the account showed a balance of {$230.00}. We were told this is because of interest charges. Then he spioke to another Midland rep on XX/XX/XXXX and she confirmed this si an issue with the correct balance and they will look into this difference and let me know. Midland rep also told us the reason for overpayment is the XXXX XXXX XXXX did not XXXX XXXX them the most recent payments and we needed to conct XXXX. I contacted them on XX/XX/XXXX approx. XXXX and went over the account details. XXXX told us that they never received a Credition Reduction Letter of our {$4700.00} payment from back in XXXX. And my next paycheck on XX/XX/XXXX will have yet another garnishement. This is totally unacceptable and lack of responsibility on Midland Credit and lack of willingness to help in this matter.
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Date Opened XX/XX/XXXX Date of Charge Off XX/XX/XXXX Date Purchased XX/XX/XXXX Original Creditor - Re XXXX XXXX XXXX XXXXXXXX XXXX Original Purchase Balance {$2000.00} Accured Interest and Fees {$0.00} Total Payments/ Adjustments Applied {$0.00}
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? The original creditor was XXXX XXXX XXXX that was a credit card. I bought a big purchase that did not reach me in time in XX/XX/2021. I returned the parcel to the company it was purchased and received a notification that my order would be refunded in four days. After contacting the company after a week with no return I was told my order would need an investigation tracking the order before the return could be released. I notified the creditor of the situation and they told me that I wouldn't endure fees once the refund was processed. I was notified the case for the parcel was closed and the refund had been return to original form of payment. When I contacted Credit One I was informed they sold the account due to non payment. I began disputing the collection with midland agency with no help to accurately display the credit. When contacting Midland Agency of this year and speaking to a manager they confirmed that had on file that the return was processed and indeed was returned to my account. But I still had to pay them because they bought this account a they would be willing to offer me a discount if I paid to settle that day. I declined because I don't have the purchased items, the money I spent, or my account. That would be me paying double for inaccuracies on my account. They told me they would open their own investigation which resulted in them sending me a letter saying they verified the account was mine and I needed to pay. There was no evidence of them trying to acknowledge the returned money on the card. As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. I request that this account be removed from credit report from all reporting agencies along with my information and information of the account being held.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A