Date Received: 2022-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. In accordance with the fair credit reporting report XXXX all accounts on my credit file 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 an account with out 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: MI
Zip: 48846
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
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: Without warning or notice, I had the Sheriff 's Office serving Warrant in Debt papers at my house -- EMBARRASSING -- and then looking at the paperwork to see that it was for a family member who DOES NOT live in my house, NEVER HAS. I contacted the Sheriff 's Office to notify them. I am still getting letters to MY home and nobody else lives here. I am the homeowner and ONLY RESIDENT. What kind of horrible company files a suit against someone without knowing the person they seek is actually THERE? I have REPEATEDLY returned mail to sender, marked the mailpiece as such, filed complaints with the USPS because I'm tired of getting mail sent to my address that isn't mine.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received letter from Midland Credit Mgmt dated XXXX XXXX stating " Choose the Option That Works for You. '' Do not know this card. Never applied. Totally XXXX since XX/XX/2018. XXXX XXXX Bank, XXXX account number on letter XXXX MCM account number XXXX Current balance {$620.00}
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a natural person, I am a living human being. I have rights under 15 USC 1681. MIDLAND CREDIT MANAGEM is govern by 15 USC 1681. And they violated my rights numerous of times. I demand this account be removed because According to 15 USC 1681. I have the right to privacy and i did not give MIDLAND CREDIT MANAGEM writtent permission to furnish this account. This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX 2021 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXXXXXX XXXX XXXX //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY MIDLAND CREDIT MANAGEM the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY MIDLAND CREDIT MANAGEM, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My complaint is against Midland Credit Management , Inc . The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}. The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022. I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed. I have monitored my credit since XXXX this account is still showing negative. I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX. I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit. I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate. I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof. I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been. This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 I paid the law firm of XXXX, XXXX, XXXX that represented XXXX XXXX, XXXX XXXX Credit Card ending in XXXX the amount of {$2300.00} to settle the delinquent debt. I have requested multiple times and submitted the payment confirmation that shows this should be corrected as settled on my credit reports and closed on my credit reports and it never changes.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit keeps pulling my credit report without a permissible purpose and failed to validate the debt without any account-level documents. They are pretending to be creditors I have never applied for a line of credit from Midland Credit Management, Midland funding, or Encore capital. I could find an apartment because of midland on my credit report, my husband just died, I have XXXX kids and I depend on my credit that midland has ruined because they keep pulling my credit reports.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXX XXXX XXXXXXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have been calling almost constantly every day, especially at work. They are looking for a XXXX, who may be my brother, and assuming he lives with me. I told them to stop calling my number and I would report them. They show up on call waiting as Midland Credit, and have been using different numbers.
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Over a year ago I requested, in writing the Midland Credit Management no contact me via telephone and only contact me in writing. I made a payment arrangement with them for 2 monthly payments each month and had automatic payment put on it. After 8 months, I had to change my debit card because it was compromised and I immediately contacted XXXX via the payment portal, updated my payment method with the new card and then wrote them as well and asked to have the account updated for ALL the payments ( to use the new card ). I received a email confirmation that this had been done. Around the end of XXXX I started getting phone calls from XXXX on my voicemail. This directly violated the request FCRA request to cease contact via telephone for me. They continued to contact me every other day until XX/XX/22 when I called them to see what they wanted. I was told my plan had been cancelled and that I was delinquent in my payments. I was shocked needless to say. During the call I arranged to enter the same payment arrangement ( XXXX XXXX x a month ), and provided the new debit card AGAIN, specifying that all the payments should be made to that card. He informed me that I would be charged that day, which my bank account verifies I was. I thought things were fine. Then I started to get calls from them again, again violating the request that I'd made and when I went onto the website recently I specifically checked only contact me in writing. I recieved today account summary stating that I still owe for the XX/XX/22 payment, which was supposed to have gone through on XXXX! I told the company to only contact me through email or postal mail. I am filing this complaint because they have violated my written request to stop calling me.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A