Date Received: 2022-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just received a letter at work stating my wages would be garnish without any proof that account was mines. I never received any verification it's indeed my account and or how the account existed I tried calling the number but the lady couldn't provide information on it and i tried emailing but the email isn't real
Company Response:
State: DE
Zip: 198XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland, credit collection has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its XXXX they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written several letters to Midland credit Management explaining that I could have been a victim of Identity theft and I do not owe then anything. I have asked for a contract bearing my wet signature and havent gotten anything from them with my signature. I do not owe this debt
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I had an account with XXXX XXXX I believe in XXXX. It closed and I had a balance. I received a letter that I was being sued and had papers for court by Midland Credit in XXXX of XXXXI contacted someone and she told me the dates that I had to pay the balance. I made my first payment, in order to avoid going to court or having my things seized, in XXXX of XXXX. I made my XXXX payment in XX/XX/XXXX, i was told that i would be receiving s a letter stating that i paid in full and the account will be cleared and closed. XXXX weeks later XXXX XXXX I receive yet another court hearing for {$280.00}. whenever I call midland they already know who I am, I can never talk to someone in the legal department, XXXX months went by and no one could tell me where the fees were coming from and why they added it so late. I was told to pay it or my things will be repossessed. they added " court and legal fees '' to my account XXXX weeks after my final payment and tried to sue me again. I disputed it through XXXX XXXX but have yet to see anything and midland credit does not answer calls.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no knowledge of this debt. Ive just seen it on my credit report but I never received a notification or verification. Account name MIDLAND CREDIT MANAGEMEN Status Collection account. Balance {$4900.00}
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I can not get approved for anything and this matter has left me stagnated in my financial life.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: How can a debt collector have o many different phone numbers
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A