Date Received: 2022-07-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Asset acceptance LLC has sent a continuing writ to garnish my wages and stated that it is for a XXXX XXXX credit card. I have never had a credit card and they said the card was open like XXXX and writ to garnish is from XXXX. I never got anything from these people until now at my job. Someone is using my information! I refuse to pay money for something that I did not do. Asset LLC is no help at all of course just kept stating that garnish will continue and its up to me to prove this is not my debt from 12 years or more! I pay all the bills in my home and cant afford my money be taken and pay for lawyers. They said the original amount is over XXXX $ but now over XXXX $ is owed and dont. Have contact number for XXXX XXXX either to dispute this. Case XXXX. I need these people stopped and the one using my information. I did put in a police report years ago around that time when mi drive license was stolen and back then my ss # was displayed on it. Im at my wits end.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MIDLAND FUNDING, a debt collection company, is reporting a late payment of {$1.00} when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts. ) They have been doing this monthly to lower my credit score on my XXXXXXXX XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
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: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: bill was put on credit report, causing loss, financial hardship and denial of credit
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from Midland Credit Management and their Attorney 's stating that I owed XXXX XXXXXXXX XXXX {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX Inquiries from XX/XX/2020. Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. Thank You, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent several letters to validate the debt to Midland CRE and still they are reporting a debt that does not belong to me. I have also communicated with the three credit bureaus and still no bonafide proof and I want this debt deleted and no longer associated with me.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This is a very frustrating situation until I found out through studying the FCRA/FDCPA that there are practices and laws in place for the consumers when they have not been handled correctly. My husband and I went on vacation to XXXX, FL in XX/XX/2018 to travel and get away to try to start living life again after losing our son! We went to a timeshare presentation at XXXX. When we got there everyone filled out this piece of paper. It wasn't a formal application or anything but we were told that it will be used to see if we qualify for the timeshare. I kept seeing XXXX XXXX Bank and asked why isnt it saying XXXX on here? The gentleman said well it is still XXXX but it handles the financial side, whereas, anything XXXX is the property side. So I said ok that makes sense and I completed the form! So after the presentation, the guy comes back excited and says you qualify for everything and won't have to do a down payment. So we were like uhm ok! They then had us talking to different people because we were stating we heard a lot of negatives about timeshares, so I guess they were taking us up the ranks with the next person that had greater persuasion. So they sent XXXX which was the last person, she was very nice and inviting and we told her why we were in FL and she was very empathetic and began to share about her daughters illness and how they had a scare a few times and she couldnt imagine losing her. So we then said, well we do want to travel more and this could be a healing process for us and she offered to take us to tour the property. After, the tour they took us to the business office and they had the contract already completed and everything. Well, we went through the process and they said we qualified for extra bonus points and they have the best taxes and maintenance fees and all of that will be taken care of. Well the following month, we went to XXXX XXXX and we went to another time share presentation just to see if we got a good deal. However, we already had in our minds we are not going to buy. Well while we were there we were talking to a guy and had mentioned we are not interested because we just went through XXXX and just wanted to tour the property. Well when we said that he went and got a guy that worked with him but had a time share with XXXX. He then began to ask us about the points and when we told him the points we will get every year, he said and how much are you paying monthly for that, we told him and his eyes got really big! He said I'm going to be honest with you, that is what we call bottom feeders points and you are going to have a really hard time securing any property with that. He stated he gets over XXXX points every year and he does not pay close to what we are paying, He didn't try to get us to buy the time share or anything at that point but he told us when we get back home just go in and try to secure a property and date for vacation. Sure enough, it said that my points doesn't qualify for the properties that we were really interested in. I then called XXXX and explained the issue I was having and she began to go over my account and said " I see you're making payments on your down payment and you received bonus points on top of your regular points. '' I told her we didn't have to do a down payment and we were given the bonus points because we qualified for everything! I said they also gave us a members reward card ( which we learned was an actual credit card with our member number on it ). Come to find out they opened a line of credit and a credit card in my name. I was so angry I told her I wasn't making another payment to XXXX for NOTHING because this was very deceptive. She apologized and said it's really nothing they can do because even though everything shows through XXXX it's actually other companies and it could damage us if we don't make the payments. I immediately reached out to the Rep XXXX who assisted us and gave us the tour. I expressed how upset we were and we felt they didn't disclose a lot of things we would encounter after making such a promising presentation and the points presented wasnt what we received. I believe at some point she was instructed to stop responding to our text and calls. So now I have several accounts on my credit plus collections because of all of this! I felt so hopeless because this wasn't right! Then on top of that I had an encounter with Midland Credit a debt collector, which I typed up a letter to send to the FTC but I wanted to wait because I disputed that account and the others and they all came back verified. How were they verified and they have no contracts with my signature where I agreed to any transactions with them. The only one that has my signature and a contract was XXXX. But what they did with that initial form I filled out they went and opened these accounts giving me the impression that it was all through XXXX. These are the accounts below : XXXX XXXX Line of credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collector XXXX XXXX XXXX Debt Collector I have attached the parts of the contract supporting all of this information. The bonus points, contract, down payment ( where we saw approved thinking it was saying approved we didnt have a down payment ) but it was actually the line of credit opened when we were thinking that was for the taxes and maintenance fees and lastly, the little slip of paper that started it all. I also attached a copy of the letter that I had typed up for the FTC because of Midland Credit actions and held off waiting for their response with the credit bureaus.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at XXXX bank and I paid o ready but this people garnish my account again at work the 3 time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money 3 time Midland Funding LLC
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: I have submitted several disputes regarding midland credit management FCRA violations and they are still reporting inaccurate information across all 3 of my credit reports. As I am looking at my XXXX XXXX, XXXX and XXXX report I see that the information such as dates, balances, and etc are all different. Also I have asked for validation of the alleged debt. I know about the FDCPA laws, and I still have not received a signed contract with my signature stating I owe this alleged debt. I am sending all the dispute letters and responses to my attorney, if nothing is done after submitting this complaint I will pursue a lawsuit. Thank you in advance for investigating this matter.
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A