Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY. Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be XXXX XXXX XXXX and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them. From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my privacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITION A MIDLAND DOES NOT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA. Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I ordered some mud tires through XXXX XXXX XXXX and that was a couple of years ago. I have not been able to pay it since then. I am currently working on my credit. The company that has been harrassing me with calls and letter is Midland Credit. The last notice I recieved from them was today XXXX as a final notice. Stating they will take legal action. They said they will send my account to an attorney after XXXX. My MCM account number is XXXX, the owner is Midland Credit Management , INC Please help me because this isn't right. They have been threatening me for the past year and they are stressing me out.I do plan on paying but not right now because I have other bills I need to pay as well.
Company Response:
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I closed my XXXX XXXX Bank credit card account ( XXXX ) due to fraudulent transactions on the account that XXXX XXXX Bank notified me of themselves, I am now receiving a collections bill in my name for a different account number ( XXXX ) with XXXX XXXX Bank. I explained to the collection agency that it is not my account and provided proof the I closed my XXXX XXXX Account in XXXX, Midland Credit Management claims that they are collecting a debt in my name for charges in XXXX. I didn't use XXXX XXXX Bank after I closed my account in XXXX.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following creditors, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of Midland Credit Management.I demand MidLand Credit Management to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management has repeatedly harassed me from different numbers after I told them to stop contacting me.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have requested on multiple occasions that they cease communications both calls and by mail, however they still send me weekly emails and letters in the mail.
Company Response:
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I been trying to get this MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX Off my credit report because it not my account. I wrote letters and e-mails that this wasn't mine. If you pull up my credit report you can see that I pay all my credit card bills on time without a problem. I'm sending you this complaint because I needed to apply for a parent loan for my son that's in college. I don't know what to do but tell my son he has to come home because they won't delete this from my report after I sent in several letters. I do have proof that I sent it online but I know longer have copies of the mail in letters due to a house fire that I had
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Accounts : MIDLAND CREDIT MANAGEMENT Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX BALANCE : {$1000.00} XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX, TEXAS XXXX BALANCE : {$3000.00} XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX BALANCE : {$32000.00}
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITIONA MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA XXXX Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A