Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 I again received a letter regarding a account which I have asked them to show me a signed credit application and they fail to do so. They request I pay {$2500.00}. I have no recollection of this account. At the bottom of this letter it states " The law limits how long you can be sue on a debt. Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit agencies as unpaid. I have requested three times they prove this is my debt. I get notice back asking or telling me they are not sure what I have asked for. I have clearly asked for a signed application of this debt. I did not take out this card. I have no idea about this card. I have asked them to stop since they fail to show me that proof. However again today the letter has arrived. I want this gone. It is a old a debt. It is not even one they can seek money for as it is over the limitations. I have no proof it is mine and the fail to show. What do I do?
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Paid both of my debt/collection requesting to deletetion 3 credit bureau thank you.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with XXXX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. The parent company if XXXX XXXX and I have other accounts with this XXXX XXXX XXXX XXXX - so they have many ways to contact me. However, I never received a bill from XXXX. Because I never received a bill, XXXX started to add on interest charges and two years later I receive a letter from Midland Credit that I now owe {$180.00}. I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many XXXX in our country. I would like to find a resolution to this matter. Please help. XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Garnishing my paycheck every week! Requesting to deletetion thank you.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: i filed a XXXX XXXX XXXX XXXX and converted it into a XXXX XXXX in XXXX, XXXX XXXX who sold it to Midland Manganment Inc was included. XX/XX/XXXX it was XXXX and shortly after that i notice a change on my credit report and Midland Management was misreported discharge debt. Midland Management who repeatly misreported every month bring my credit score down, however refusing to report my XXXX debt properly should be in violation of the bankruptcy XXXX which in a injunction prohibiting creditors for tryong to collect on a bankruptcy XXXX debts.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, MIDLANDXXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. MIDLANDXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management is attempting to collect on an alleged debt that i have no knowledge of. I never received a written notice to dispute or request validation of this alleged debt prior to XXXX reporting this invalid information to all three credit bureaus
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NOTICE : Identity Theft Nonpublic Information Shared Without Consent Attn : Consumer Support Services I conditionally accept your offer upon proof of bona fide claim. 1. Pursuant Federal Law 15 USC 1692 ( a ) congress made it very clear that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors which includes Midland Credit Management. Congress also made it clear that Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 2. Pursuant to 15 USC 1692 ( e ) congress also made it clear that the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 3. Pursuant to 15 USC 1692 ( XXXX ) I am a consumer a natural person not obligated to pay XXXX XXXX Funding. On ( XX/XX/22 ) I received a letter in the mail from your company ( Midland Credit Management ) stating that I allegedly owe {$960.00}. In fact, pursuant to 15 USC 6801 ( a ) I believe my nonpublic personal information was stolen, used or my individual privacy rights were violated by Midland Credit Management. I did not consent to or give Midland Credit Management authorization to have my nonpublic personal and private information. Please provide me with an express written consent or authorization form as proof of bona fide claim. Please be clear, complete, and accurate with any supporting documentation that proves your claim is valid. Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability for XXXX XXXX dollars ( {$10000.00} ) each day this account is being furnished on my credit report. This is my offer to Midland Credit Management. Failure to comply under federal law will result in a claim filed against you. Regards, XXXX XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management. Due to the XXXX XXXX XXXX XXXX, and the issues that I am still experiencing, it has taken me longer to deal with this matter. Midland Credit Management is manufacturing verification letters after the fact. I did not receive any of the letters that they are claiming to have sent in XXXX, I found out about them after looking at copies of my credit reports. This collection agency did not verify the debts that they have placed onto my credit files, prior to placing them. This collection company is claiming that I owe accounts with XXXX XXXX, and XXXX XXXX XXXX XXXX has falsified account information that they have passed onto Midland Credit Management, and Midland Credit Management has ran with the fraudulent information. XXXX has claimed that I had an account with XXXX that I opened in XXXX, and this is not true, The original account was opened around XXXX, paid off closed, and reopened again around XXXX, paid off again, And in XXXX I had filed several complaints with XXXX XXXX, CFPB, and XXXX, because XXXX had not given me credit for several merchandise shipments that I had returned, totaling hundreds of dollars, and XXXX was of no use in helping me to resolve the matter. I paid off the XXXX account several times, and they kept adding fraudulent fees to the account, claiming that it had not been paid off. The XXXX XXXX account, I have had no dealings with them since around XXXX of XXXX, and they owed me money. I was owed XXXX pairs of sandals that were backordered, and out of stock, as well as a pair of XXXX XXXX XXXX that their representative had messed up on the sale item on the order, and I was over charged. Due to issues with the orders the supervisor that I spoke to back then, was to send these items to me free of charge. Check with the representatives of XXXX XXXX if possible, they should be able to look up this account, XXXX is going to lie, as they are doing on their statements. Back in XXXX of XXXX there should have been a refund to the account for over {$200.00} plus dollars for a shipment of XXXX dresses that arrived to my home damaged, due to the package arriving completely wet. XXXX XXXX should still be able to provide you with the photos of the package that I had sent to them. The account should have been showing a XXXX balance. Any charges on the XXXX XXXX account, are fraudulent fees, and charges, that XXXX has added to the account. XXXX had continued to add fraudulent usury charges, and fees to these accounts, as well as others, for months after XXXX of XXXX. I did not charge up these fraudulent balances as they are claiming. If you follow true statement information, you will plainly see that I had not been charging anything. XXXX ran up hundreds of dollars in usury fees, and charges that I am not responsible for. These fraudulent balances were maliciously ran up, due to the fact that I had complained about XXXX, and XXXX XXXX, to several agencies. I dont owe the balances that are being reported on my credit files, neither have I had anything to do with either, XXXX Bank XXXX nor XXXX XXXX since XXXX of XXXX. The account information that is being added to my credit files is not true, especially the made up account lies for XXXX. cc : State Attorney General cc : Federal Trade Commission
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A