Date Received: 2022-06-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I AM MAKING A COMPLAINT WITH MIDLAND CREDIT MANAGEMENT REGARDING AN ACCOUNT THAT THEY PURCHASED FROM XXXX XXXX. I HAVE TRYING CONTACT THE COMPANY ABOUT THIS DEBT BUT GETTING NO RESPONSE. THIS REMAIN ON MY CREDIT REPORT AND IT AFFECT ME. I WANT TO STATE FIRST I NEVER GIVEN MIDLAND CREDIT MANAGEMENT ANY PERMISSION TO USE ANY OF IDENTIFYING INFORMATION TO CONTACT ME ABOUT THIS DEBT. AS OF TODAY, I STILL DONT HAVE NO VERFIED OF THIS DEBT. SO, I WOULD LIKE THEM TO REMOVE THIS ACCOUNT OF MY CREDIT REPORT BECAUSE IT REALLY STOP ME AND STRESS ME OUT.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX 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: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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: MIDLAND CREDIT MANAGEMENT said they acquired this alleged debt from another company and that they contacted me via mail. I never received any certified mail or any documents from MIDLAND CREDIT MANAGEMENT at my place of abode. MIDLAND CREDIT MANAGEMENT must provide documentary proof that I RECEIVED any communication from them giving them permission to furnish anything on my consumer report or delete the account immediately. The GRAM LEACH BLILEY ACT clearly states I, the consumer, must receive an option to opt out of any of my non-public personal information being shared without my permission. In addition, the definition of communication of a debt when it comes to the FCRA is : communication directly or indirectly regarding an alleged debt across ANY medium. My consumer report is a medium and your reporting is communication. You are in direct violation and must cease or I will not hesitate to hire legal counsel and seek damages.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: There has been XXXX credit accounts that were opened within the last 7 years that I did not open I found out who was using my name and social that individual opened bank accounts and cashed false checks under my name. That person happened to be XXXX XXXX. That is the individual ruining my credit and putting my credit at the bad standings that I'm in now I need to get this all fixed I'm in check system due to this man. The companies that I need the debt fixed due to this individual is ( XXXX XXXX XXXX {$810.00} ) ( Midland funding LLC XXXX Also XXXX )
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland credit management has been making threatening and excessive phone calls. I have formally asked for detailed information on what the debt is for ( from XXXX years ago ). They have not provided me any information. I just received notices from an attorney wanting to represent me that midland has a judgement against me and will freeze my bank account. This letter was from XXXX of 2022. Midland only demands payment and threatens me. They have not provided me any information on what the debt is specifically regarding.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
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: In XXXX of 2021 I tried applying for a loan to buy a home. I had originally disputed my debt with Midland and this was causing issues when trying to be approved for the house loan. I contacted Midland and they agreed to remove the dispute since I was in a payment plan. Here it is a year later and now I CAN NOT be approved for a home loan because of this account being in dispute. I contacted Midland again and they said that there is no dispute since Im in a payment plan and they can see that. I have a picture of this conversation. If the dispute can not be removed from the account and its causing me this many issues, then I no longer need to be making payments on this account.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per XXXX it shows an account has been closed and the following still appears on my credit report. Per code 15 U.S.C. 1681 has been violated. MIDLAND CREDIT MANAGEMENT {$1200.00} Balance has been charged off XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ON OR AROUND XXXX XXXX MIDLAND CREDIT MANAGEMENT APPEARED ON MY CREDIT REPORT. I NEVER RECEIVED A NOTICE IN THE MAIL TO DISPUTE THIS DEBT PRIOR TO IT'S INSERTION ONTO MY CREDIT REPORTS NOR DID I KNOW I COULD. ON XXXX XXXX XXXX I SENT MIDLAND A DEBT VALIDATION LETTER VIA USPS CERTIFIED MAIL, THE TRACKING NUMBER IS XXXX XXXX XXXX XXXX XXXX. THE LETTER WAS SENT TO THE MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE LETTER WAS RECEIVED ON XXXX XXXX XXXX AT XXXX XXXX. ONCE AGAIN I NEVER RECEIVED ANY FEEDBACK OR DEBT VALIDATION FROM MIDLAND CREDIT MANAGEMENT. AS OF XXXX MIDLAND'S ENTRIES HAVE DAMAGED MY CREDIT RATING BY REPORTING NOT ONLY UNVALIDATED ACCOUNTS TO MY REPORTS BUT ALSO REPORTING FALSE INFORMATION. MIDLAND IS REPORTING TO XXXX THAT I WAS 120 DAYS LATE FOR XXXX/XXXX. THIS IS NOT TRUE I HAVE NEVER MADE ANY PAYMENTS TO MIDLAND OR NOR HAVE I HAD ANY FINANCIAL OBLIGATIONS TO THEM. I AM DECLARING THIS DEBT AS NOT ACCURATE AND WOULD LIKE FOR IT TO BE REMOVED DUE TO MY CONSUMER RIGHTS PER THE FCRA BEING VIOLATED. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A