Date Received: 2022-07-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company reported an account from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my personal information to obtain a XXXX XXXX credit card. XXXX XXXX issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. The debt is {$1400.00}. The credit card company turned the debt over to Midland Credit Management. Midland Credit Management is now pursuing collection from me.
Company Response:
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/XXXX someone called back to back Yesterday XX/XX/XXXX someone from the company kept calling And now today, this morning before the day starts..at about XXXX someone called..I called the number back and it was MCM This is what prompted my complaint because prior to today I never called the number back, so I didn't know who it was just that they kept calling, but because they called so early I wanted to know who it was, plus it's a local number.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} 5 ) .account number XXXX {$480.00}
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland credit have used deceptive collection tactics to try to trick me into paying an allege debt. They have also threatened to take a legal action against me in the past. I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a XXXXXXXX XXXX credit card during the pandemic lost my job moved around from XXXX job to other thats when I lost track of some of my credit account. Recently I got sued by XXXX XXXX XXXX XXXX XXXX XXXX for {$8000.00} they are claiming I owe them. I have. No recollection owing them or midland credit. I would like you to help me find out where this came from and how I owe them.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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: Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) How can this debt be validated when there is inaccuracies on my credit report Date open on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX and XXXX failure to respond and are not omplying with their own policies in a timely manner.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A