Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date - XX/XX/2020 Amount - {$650.00} Midland Credit Management Has Not Provided Me With Documentation To Proof That The Collection On My Credit Report Was Verifiable. No Signature On File No Nothing.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam : I am writing to alert you that I have been the victim of identity theft, and that my personal financial information has been used without my agreement or knowledge to acquire credit, products, and/or services on the above-mentioned account. I am asking contact from you releasing me from liability for this debt and informing credit reporting bureaus and collection agencies of this fact. Thank you in advance for your consideration of this issue.
Company Response:
State: CA
Zip: 94510
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midlantic credit management repeatedly calls my phone harassing me causing so much stress an XXXX. XXXX XXXX XXXX is the is the company the debt came from. Midlantic credit management is a third party
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices. FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hi there, XXXX XXXX XXXX is attempting to collect on credit card debt via MidlandCredit.com. Amount : {$4500.00}
Company Response:
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had payment protection on my XXXX XXXX credit card when I lost my job I authorized them to pay the balance which I know happened. However XXXX XXXX took my account and sold it to Midland Midland refuses to validate the debt they can't because it was paid in full to XXXX XXXX and yet it Still Remains on my account. I was forced to pay this again to get it off my credit report because it is impacting my ability to get a mortgage. BUT Midland keeps reporting it anyway Paid in full again confirmation number XXXX. Collector XXXX XXXX. From the XXXX MI office. And even though I expressed to him that this was paid he readily accepted a payment because he was more concerned about his bonus structure than actually resolving an issue for the customer.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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 purpose. Midland credit management {$740.00} and {$630.00} XXXX bank {$830.00} XXXX XXXX {$0.00} balance charged off as bad debt
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: THis is regarding the letters i keep getting from XXXX, debt collection company. I have repeatedly mentioned to the few calls I attended that I do not own this credit card nor got any statements from the credit card. Long time ago, when the Credit card company called me once, I told them the same. They read me out the majority of charges were for painting from some other location ( I vaguely remember as GA or South Carolina ). I live in XXXX Mi since 1992 and have never visited the places where the card was charged. I do not know anybody in GA or travelled to the state. They mentioned that they will look into it. Afterwards I never heard from them and then heard from you that they have sold this loan. Usually, I dont answer most of the XXXX numbers. So, I might have missed a lot of calls from your company. Anyway, this Credit Card is not mine nor I made any charges on this. Please understand and investigate who has used this Credit card. This is some kind of Fraud using my name and my personal information.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland credit called regarding a debt i may owe on a credit card. Two separate representatives refused to mail me any verification to confirm this debt is owed. Threatened to pursue lawsuit to collect.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A