Date Received: 2022-07-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: My former employer was contacted by MCM collections in regards to a past debt which I attempted to resolved with a prior debt company and I wasn't successful. However, the debt was sold to MCM collections and they contacted my previous employer on XX/XX/2022, about my whereabouts to attempt to collect on a debt that is past the statue of limitations. I advised them that I don't want any contact and they violated my rights for no employer contact. This is a form of harassment and poor debt practices that caused me dispersity and anguish of embarrassment with my former employer.
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my XXXX girlfriend and XXXX of her friends uesd my name i was in jail when they uesd my name i did a F.T.C fraud report and you can check the jail system and the video camera at the car dealer and she got credit cards and a account with XXXXXXXX XXXX i call the cops and the F T C please remove these accounts itss been over 90 days and its holding my life up from getting back on the right track im trying to open up a sober living and this info is stoping me i want to file a law suit
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please help all my Consumer Rights has been Violated. 15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been paying credit card through XXXX every month for many months on a XXXX dollars credit line. They have always taken payment from bank account. All of the deductions stopped. I couldn't reach anyone at XXXX to find out why. They ran my account way up to {$930.00} then apparently wrote it off. Sold it to MIDLAND CREDIT who is harassing me every day. They even are using XXXX legal notifications to scare me. Every day another phone number tactic. My wife going through XXXX treatments which is consuming to me. They continue to harass me every day and for a much higher amount. Their buying debt from creditors that stopped collecting from me then no way to resolve a XXXX total credit line. This is hurting my credit while all my other creditors remain in great status. I am disputing this amount of claim and, the daily harassing of me.
Company Response:
State: WI
Zip: 53105
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have recently been informed that there is negative information reported by Midlandcre in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022. I challenge the accuracy, compliance and reportability of this listing.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. Delete this account immediately, unless you want to be held {$1000.00} per violation
Company Response:
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Wrote letters and no response. I have attached that letters I wrote requesting the necessary specific documentation regarding this account
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A