Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXXt 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 @ : 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 account under an open end consumer credit plan as late for any purpose.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-08-27
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: In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Midland Credit Management has volated my rights. Under 15 USC section 1681 section 602 states that I have the right to privacy. 15 USC Section 1681, section 604A, section 2, states that a Consumer Reporting Agency can not furnish an account without written instructiions. 15 USC Section 1666B states that a creitor may nog treat a payment on a credit card account under an open end consumer credit plan as latre for any purpose.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent accounts and identity theft
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: IE : Midland Credit As federal law, the FDCPA limits the methods a debt collector may use when attempting to collect a debt. If a debt collector materially violates a provision of the FDCPA, the aggrieved consumer could be entitled tostatutory damages of up to {$1000.00}, plus any actual damages. I AM DEMANDING A {$1000.00} PER CALL. And this is only from the beginning of XX/XX/2022. This collector has continually called and I have told them over and over to stop. Send paperwork. I have got hung up on and told thats not possible. I block the numbers and they call me from a new one.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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: Midland credit management XXXX XX/XX/XXXX opened an account in my name in the amount of XXXX. Also reporting, XXXX XXXX XXXX XXXX XXXX also opened an account in my name in the amount of XXXX, on XX/XX/XXXX. These accounts are not mine and needs to be removed ASAP.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXXXXXX Lied They Not Works For XXXX XXXX XXXX Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX Option XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake XXXX XXXX Stealing My Information.
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2022-08-26
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: Midland credit management XXXX XXXX XXXX XXXX XXXX, CA XXXX {$4200.00} 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 cant 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 and purpose
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I received a letter from Midland Credit management regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from Midland Credit Management, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREDIT MANAGEMENT I have written and call serveral times to get this account removed from my file, it was a result of fraud and/or id theft. I have called and written XXXX trying to get this removed
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A