Date Received: 2022-09-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. The smell coming off the set was also intolerable. It smelled like dead animal. I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. Thank you for your assistance.
Company Response:
State: NM
Zip: 88201
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I can't speak as to when the issues started, but I began receiving multiple calls from a Midland Credit Management. They have been calling every day, sometimes multiple times in a day. This company has also contacted at least two of my family members, both of which have no ties to any potential debt that may be in my name. They have been advised to stop calling but all parties and I have yet to receive any documentation that allows me to dispute whatever the debt is that they're trying to collect. They refuse to confirm any information when asked as I don't feel comfortable giving them my information without knowing the circumstances behind their calls. I have tried blocking the numbers that they are calling me from as well, but then they call from a different number to get around it.
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A few months ago I found out that I supposedly had a debt for an XXXX credit card, a card that I never and never before had knowledge of, I have never applied or obtained an XXXX credit card, and now this Company Midland Credit Management , INC I have been sued for non-payment, and once again I have been a victim of fraud and identity theft, previously my identity has been stolen several times and credit cards have been opened with my information, I have made reports to the police of all that and also now I made the report of this card that was opened again in my name, I do not have any credit cards for fear of fraud of which I have been a victim several times, I need you to see and understand that I am a victim of identity theft and I have not the slightest interest in having any credit card from any company for fear that my identity will continue to be stolen, thank you.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit has been calling me several times a week for about a year now. I tell them all the time to stop calling me. I paid off some my debt and cant afford to pay anymore at this time. They are still constantly calling me.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Account at XXXX 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland credit management Date opened : XX/XX/2021 Past due amount shown : XXXX $ I have called multiple times to request a validation later and have not received anything in the mail besides my options to pay. The last time i called the representative said she will try to send it out. I have also mailed letters requesting a validation letter and have received no type of validation. I have also disputed it with the 3 credit bureaus. I would like to have this removed
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have debt in my account that I have received no written communication on. On XX/XX/22, the collection agency filed a lawsuit regarding this. They still have no provided a written notice of right to dispute.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently pulled my credit and seen this company Midland Credit Management on my credit with multiple accounts owed, so I originally disputed on my credit report I believe it was XX/XX/2022 that I did not receive any paper work that I owed a debt, or proof of debt oe right to dispute and I requested that they send that to me so I can see what this debt was an validate it. I asked for proof of the debt, they responded debt was mine and closed the dispute never providing any details or information. So I contacted the company via their website which I did take copies of our chat session which I was told I had 5 accounts he listed off the accounts and then said we are sending these to an attorney if you do not make payment or come to some resolution. I said I want proof that this is my debt I never received anything and it recently came to light that possible fraud had been committed on my credit in my name and that I never got any letters after asking multiple times to prove this was my debt and I was never given the opportunity to fight this. He said letters were sent originally, but I never received letters so I said I need proof then that you sent the letters or resend me the proof so I can see if this is mine or file fraud and he said contact the consumer credit agency department and if its fraud I can provide them proof and told me what to send otherwise its going to court. How can I not be provided proof of debt when asking multiple times I can't even say of this is my debt so I believe it is NO I don't, but how can I confirm if no one will help me and all they do is make threats and tell me to pay. And why has no one called me why don't i get anything in the mail just makes no sense and I do not beleive this is my debt but no one will provide me proof.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: So I have been in contact with this company. Even went to court about this which was against the law. They are not XXXX XXXX compliant. They are in violation of 15 USC 1681b, 15 USC 1681e ( b ), and 15 USC 1681. This was paid in court.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A