Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management is sending letters to me and they claim that i owe them XXXX XXXX According to the information provided by them i was resident in California and opened a bank account with an address from California- but IT WAS NOT ME, i never lived in California, i have never even been in that state in my life. I lived in XXXX, XXXX XXXX and XXXX states only ( I live in XXXX state for about the past XXXX years ). I did not own the bank account that they claim that i owned. I have no clue how and when my personal information was stolen, it seems that someone stole my ssn, opened a bank account under my name by providing an address from California, again i have never lived or been in CA. I did not open the bank account that they claim that i owned and did not borrow any money from anyone
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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, 15 USC 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.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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, 15 USC 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.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of this account
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2022-09-07
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 enough information to verify debt
Consumer Complaint: I MOVED LAST YEAR I NO NOTHING OF THIS DEBT I DONT EVEN NO THIS COMPANY I NEVER GOT ANY DEBT VALIDATION VIA EMAIL OR USPS MAIL BUT THEY ARE HARASSING ME BY CALLING MY PHONE NOW EVERYDAY ALLDAY THEY HAVE RUINED MY CREDIT THEY REPORTED THIS ACCOUT TO ALL THREE CREDIT BUREAU'S.WHICH I DONT OWE THEM ANYTHING BECAUSE I NEVER HAD A WRITTEN CONTRACT OR AGREEMENT WITH THIS COMPANY.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was sent a judgment against me at the beginning of XXXX from XXXX about a XXXX card that was opened in my name in XXXX. At the time of this store card being opened I was in high school. I have ran my credit report numerous times since XXXX and this charge has never came up or any paperwork or bills were sent to my home. Midland Funding LLC is currently garnishing my wages for an fraudulent account. The name on the account doesnt even match my name, and the billing address Ive never lived there. I have also submitted a police report for identity theft.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Requested a Verification of Debt from Midland Credit Management As of today, has not provided the requested information. MCM has not provided or responded to my request of verifying the information. Reached out to Midland Credit Management did not respond to my request at all. ( See attached A ) Certified return receipt to MCM ( See attached B ) Copies of letter dated XX/XX/22 to MCM MCM is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Midland credit trying to take me to court for my auto loan through XXXX XXXX XXXX I pay regularly twice a month total {$300.00} a month for XXXX XXXX XXXX ruining my credit! Someone is tampering with my credit also been paying back collection debt from XXXX XXXX XXXX debt and yet my credit keeps going down trying to pay debt down for XXXX but no information just says collection been paying it monthly for a long time promised to let creditors know never did XXXX XXXX XXXX XXXX 3 times and been living in the XXXX XXXX in XXXX Ma XXXX XXXX XXXX XXXX ma XXXX for a year credit stopping me from getting place to live! Please Help XXXX XXXX
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I have told this company over and over again that the credit card company chose to close my account when I has report the charges on the card as fraud, once the credit card company said that I never heard back from them and that was back in XXXX of XXXX or XXXX. They said they would let me know the outcome of the investigation, but never heard anything back from them. Now I getting letters in the mail threatening to sue me and saying they are contacting a lawyer in my state about this debt when I never got information or knew that I could dispute this debt with midland credit collections. I was not never informed that my debt was being sold and sold again to keep this on my credit report.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A