Date Received: 2022-09-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was opened in XXXX. It been open for 8 years so far. This collection shouldnt be on my credit report, the collection agency said they purchased the collection in XXXX, how they did purchase a collection after 5 years it been open & reported to my credit report, I think the amount its incorrect, I called and I ask about the record from the old agency that they bought the collection from. They told me they cant I provided me with anything because they dont have no record from the old company
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a line of credit with XXXX XXXX in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the XXXX XXXX for the city and the entire city was shut down leaving me with no work. I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. I now have the interest fee on my credit as a negative balance of XXXX from midland credit management. I am not sure if they sold the account to someone or what happened as I have not heard anything from them. Were responding to correspondence about your XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( account ending in XXXX ). Dear XXXX, Were XXXX XXXX XXXX and we originally issued your XXXX The XXXX XXXXXXXX XXXX XXXX. We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. Were sorry to hear of the impact COVID-19 had on you and your family. We hope your situation has improved. Were no longer the creditor on your account. Your account charged off due to nonpayment on XX/XX/XXXX. We sold your account to Midland Credit Management , Inc. on XX/XX/XXXX. Therefore, our reporting of your account as a Charge-off that was sold to another entity is accurate. Were reporting the account with a zero balance owed to us as of XX/XX/XXXX. Midland Credit Management , Inc. may report your account under its name as the new creditor. For any additional questions about your account, please contact Midland Credit Management , Inc. at XXXX.
Company Response:
State: MO
Zip: 64130
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: 2022-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was paid in full however this company is still reporting on my credit report as being in collections
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account is not mine but is reflecting on my credit reports. XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received 3 debt collection letters from Midland Credit Management Company for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to Midlandcredit.com just in case the letter was a scam. I chatted with XXXX XXXX of Midland Credit Management and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called XXXX XXXX, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called Midland for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so Midland has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with XXXX XXXX XXXX, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with Midland in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated phone calls as early as XXXX. I have told them the person they are calling for is not at my number. The person they are calling for lives in another state. I have received 5 calls since XX/XX/22, I dont know how many before that, thats as far back as my call history shows. I blocked their number and they call from a different number. I will not give them information on the person they are calling for and Ive told them so. Call history XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX XX/XX/22 @ XXXX Caller ID shows Midland Credit An internet search shows they are a debt collection service in XXXX XXXX, CA.
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX initial account opened. Somebody was paying bill while buying more items. Latest debt collector sent certified letters to an address I never lived at ( same as others ) should be fraud knowing I don't live there. ( A simple XXXX search would show that ) Debt collector very rude and mean. Billing an address, I never lived at, wrong social security number somebody else 's cell number and bogus work number also an employer I never worked for. Have all paperwork showing the house I bought and live at is different. Application from XXXX wrong work number, wrong cell number, wrong social security number. Debt collector should be fined. Where can I send my proof to? Midland credit management ( current owner Asset Acceptance , LLC ) XXXX XXXX XXXX original creditor XXXX XXXX. ( Internal legal account no XXXX ) last 4 of original account number XXXX is all they have on paperwork. XXXX XXXX
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A