Date Received: 2022-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: , ( XXXX XXXX. ) never gave ( Midland management ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Midland management ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Midland management # XXXX
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On this date XX/XX/2022 I received a court summons indicating midland funding 's, llc has filed a lawsuit against me. After looking at the complaint and the documents I see that the plaintiff is attempting to file a lawsuit against me for a debt that does not belong to me. They did not include copies of the signed credit application. I'm not sure what to do about this.
Company Response:
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper report, in accordance with the fairy credit reporting act, this creditor has violated my right, on the 15th us.c 1681 section 602 state i have the right to privacy, 15th us.c 1681 section 604A section 2 it also state a consumer reporting agency can not furnished an account without my will and instructions under 15th us.c 1666b a creditor may not treat a payment on a credit card under and open and consumer credit plan as late for any purpose
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit Management filed lawsuit against me. I have never been in contact with this company nor do I have any contracts or debt with them. I was never notified of debt toward them or given the opportunity to dispute or deny this alleged debt. I now have to go to court to defend myself. I ran my credit and found midland credit management submitted unpaid collections against me in late 2021. There is no additional information regarding what this collection is concerning.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This was a credit card originally opened with XXXX XXXX XXXX in XXXX. The card came in another name XXXX XXXX XXXX XXXX XXXX XXXX I got sick and was not able to pay as agreed in XXXX and was not able to pay as agreed ; Tried to talk with someone to set up another payment program. The person was rude and did not want to work with me. If I missed a payment ; would get angry with me and start the process all over again because of one payment missed as agreed. Collector 's tactics are very rude and aggressive. The account has been sold or transferred to Midland Credit Management and this Company is very hard to deal with. Actually the collection should have dropped off my credit bureau file ; but they sold it and started the process over again. From XXXX to XXXX is seven years ; so it should not be showing up on my credit bureau file.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Between XX/XX/22 and XX/XX/22 they have called me a total of 9 times. 3 times on XX/XX/22, 4 times on XX/XX/22 and 2 times on XX/XX/22. On this date of XX/XX/22 they have started calling my children since I finally blocked their number.
Company Response:
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have received ZERO communication from company Midland Credit Management and they have violated my rights. They showed up to my rental property and served papers regarding my debt to my Tenants violating my right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These have all been violated by the company attempting to sue me for this debt in which I have received no communication on.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A