Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is paid twice a month to XXXX. They have been contacted repeatedly and refuse to report payments accurately. They respond that a depreciating balance is sufficient enough to reflect twice monthly payments. The account status is not delinquent.
Company Response:
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
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 1682 Section 602 States i have the right to privacy. 15 USC 1682 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: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Name : Midland credit management Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : XXXX XXXX XXXX Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) XXXX : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Company Response:
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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: XXXX account closed paid as agreed. sold to collections agency
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management did not properly notify me of the alleged debt. When I noticed the alleged debt was on my consumer reports, I requested Verification of alleged debt. What I was provided was a billing statement and a letter from XXXX XXXX that stated Midland Credit Management owns the debt. The letter was sent to a previous address which I no longer reside at. I was not giving the opportunity to challenge the letter within the allotted 30 days. I also requested to cease and desist in the affidavit. I sent this information to Midland Credit Management. This is in violation of the following : 15 U.S.C 1692g ( a ) ( 3 ) - Validation of debts a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 15 U.S.C. 1692b and c- Communications Connected with Debt Collection Cease and desist was communicated to Midland Credit Management which means When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that : The collection effort is being stopped.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I am on a payment plan of {$50.00} a month since 2012 to pay off a total balance of {$7000.00}. I never missed a payment! I called the call center to pay the rest of the amount I owe them. which is {$850.00} the payment plan was filed with the courts in 2012 When I told them I wanted to pay off the rest of my account, they refused the payment and said it was in an internal review with their lawyers and refused to take any payments. and told me to send them a note that I did not deny the debt. after paying on this debt for 10 years I'm gon na deny the debt. no, I wanted to pay the rest of the planned balance off I called them several times and got the same story, it was in an internal review. and they could not take any payments on the account. The default amount is {$9800.00} in other words. so basically if they can't take my payments for the account I go into default. I am a XXXX citizen on social security I did the right thing by paying my debts this is causing me lots of stress .and health problems please help
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice from MIDLAND FUNDING about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND FUNDING on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. again on XXXX XXXX I sent MIDLAND FUNDING another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND FUNDING on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - I wrote XXXX and asked them to validate the debt of {$620.00}. I disputed the debt through all three credit bureaus and requested that all details of the debt be verified as accurate, XXXX verified the details of the debt as accurate. On or about XX/XX/XXXX, I made a {$300.00} payment to XXXX to pay down the debt. I requested a settlement amount and they stated I agreed to a schedule, which I never did. I reviewed my credit reports and the account is reporting inaccurately. XXXX is stating the original amount is {$320.00} and there is no record of any payments being made. XXXX has a responsibility to report the account accurately, per the correspondence they sent me, therefore, I am requesting the account to be deleted per 15 U.S.C. 1681i.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reached out to Midland Credit Management about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from Midland Credit management to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Company Response:
State: IA
Zip: 50021
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A