Date Received: 2022-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Midland Credit Management Account # XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. The company Stated " Please note that based on the information provided by the seller, WE have determined that our credit file, and the information being furnished for the above-referenced account, is accurate. WE will be closing our investigation of your dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act. I requested a proper investigation not internally by the company they will always find in favor of them selves. The investigation found to be flawed.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt is incorrect and is over 10 years old it is over the statute of limitations. They are trying to sue me and garnish my wages. This debt was from Michigan over 10 years ago and the amount is over doubled the amount originally. And they have not provided proof of the original amount and date
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1.I have never had an account with this company MIDLAND CRED XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MIDLAND CREDIT MANAGEMENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT LLC is stating i, consumer, XXXX : XXXX, owe them a debt ( violation of my federally protected rights ) ( 15 USC 1692b ( 2 ). MCM has contacted me multiple times- ( violation of 15 USC 1692b ( 3 ). The entity they purchased from ( XXXX XXXX ) as stated, did not give them the correct information because i never had a contract with them either. They also are contacting me at inconvenient hours ( harassment ). I do not have a contract with this creditor or debt collector.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
Company Response:
State: TN
Zip: 37160
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management is attempting to circumvent Fair Debt Collection Act by : 1. ) Claiming they provided validation ( that was requested by me ) but the letter was " undeliverable '' despite all other mail being delivered - and despite offering no proof of this undelivered mail. 2. ) Their " collections rep '' stated upon being asked by me ( and documented ) : " I want to talk to an attorney '' the rep replied " Yes, you can talk to me. '' Clearly this is representing they are an attorney and in fact are not - then going on to demand personal banking information. In my last complaint Midland attempted to sidestep a proper reply by claiming that it is a general line and mail wasn't delivered - both further bad faith attempts to cover violations of the Fair Debt Collections Act. I would like them to properly answer the statements with proof and show no more bad faith.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was notified via XXXX email alerts that there had been a hard inquiry made on my credit. I had not applied for any new lines of credit but saw that Midland Credit Management ( MCM ) had made a hard inquiry on XX/XX/2022. I called to dispute it but was told that there was a note on the file that only MCM could remove it from my file. When I contacted MCM directly, they said they do not report inquiries, which is just patently untrue as a rule because we all know that inquiries are reported and make everyone 's scores immediately drop. I am not sure why they are even poking around in my file at this time. They had been harassing me for years and there is even a cease and desist letter in their files that they referred to several times. I do not owe them any money and there is no record in any of the XXXX bureaus.
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS RIDICULOUS! I'm not familiar with this account! Why is my credit report being reflected therein? I need this account to be verified! I don't have a contract with this account.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an ample amount of notices from midland credit management , Inc and I thought it was a joke. What I found out is that this company takes debt from other companies and harasses people to pay debts that do not belong to them. From XXXX I have been to XXXX and XXXX school, which ultimately led me to living with multiple people. I have had instances where my social security card and ID cards have come up missing. Unbeknownst to me, it appears that someone opened a XXXX account in my name and this debt went on to be unpaid. It is not mine. I have told this company from the beginning that it is not mine. They have the wrong person. Not to mention XXXX itself just screams scam. Ive disputed this on my credit report successfully in XXXX and they keep harassing me.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A