Date Received: 2023-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management called my XXXX and disclosed my debt and account number. They also told my XXXX that an attorney would show up at the door if she didn't setup a payment plan.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I refuse to pay any debt to MIDLAND CREDIT MANAGEMENT account # : XXXXXXXX, XXXXXXXX XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Midland Credit Management as a habitual and arrogant violator of law as you admit that Midland Credit Management perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Midland Credit Management has violated my rights as a taxpayer to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
Company Response:
State: PR
Zip: 00610
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: When I received the letter I call them the credit card company they gave me two different numbers and could not help me so I could report it as fraud cause it was or help m with me with next steps
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a disputed this credit account with you before and it has been taking off my XXXX and XXXX reports but the XXXX reflecting on my XXXX and like I've said before this isn't that my account I have no knowledge of this account at all and it is already been taken off two of the three accounts with the bureaus I am extremely upset it's still on the one which it should not be and I am about to sue if it's not taken off immediately
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written to this company on multiple occasions to get this issue resolved. I have never had services with this company, and I am not aware of who they are. They are claiming that I owe a debt for services or merchandise that I have no knowledge of. I have informed this company that this is a case of fraud and identity theft, and I have asked them to cease reporting this fraudulent information to the credit reporting agencies. They have refused to remove this from my credit, and now I am prepared to seek litigation for monetary damages. This fraudulent entry on my credit report has caused me great financial distress. Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you XXXX again for your time and I look forward to having Midland Credit Management removed from my credit file.
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Upon settling in court, XXXX. XXXX XXXX and I agreed that MCM would stop reporting and pursuing the full original amount. We settled for half and now they are still regularly reporting the FULL balance which is the only collection account damaging my credit.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They continually have called my phone number sometimes till XXXX at night. They ask me for my personal information. Is it me they are speaking with, what is my address, etc. they would not give me any information about original creditor other than they are with Midland Credit.
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A