Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company that claims to be Midland Credit Management is calling my phone number multiple times every day using multiple different phone numbers, trying to collect a debt from someone. I currently have hundreds of different phone numbers, they have used, that I have blocked and reported on my phone. I am on both Federal and State Do Not Call lists. They have been told multiple times that my phone number does not belong to the person they are trying to collect from. They have been told multiple times that I do not know the person they are trying to reach. I am the only person that has ever had my phone number and I have had it for 44 years. So, whatever they are doing is not a mistake. I can only guess that someone at some point has used my phone number for some sort of fraudulent activity that didn't involve identity theft. I suggested this to them and that they should use some other legal means to find this person and stop calling my number. They show a callback number of ( XXXX ) XXXX. But since I don't have any information or account number or ever done any business with them I can't get anywhere other than a phone being answered.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to dispute inaccurate information on my credit report. This is not only a stain on reputation & character but it is a violation of my rights, as set forth by the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I noticed violations of FCRA subsections including but not limited to : 15 USC 1681 ( a ) ( 2 ) & 15 USC1 1681 ( e ) ( b ). In addition to FCRA violations, I also noticed several instances where my rights under the Fair Debt Collection Practices Act ( FDCPA ) including but not limited to : 15 USC 1692 ( d ) ( 1 ) & 15 USC 1692 ( d ) ( 2 ). Pursuant 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates. I never gave any written instructions to put these accounts on my report. This is a clear and blatant violation of my rights under the Fair Credit Reporting Act. Pursuant 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I was never contacted or asked to verify the information thats being reported on my file, thus proving that there wasnt an effort made to assure maximum possible accuracy of the information. This is another blatant violation of my rights. Pursuant 15 USC 1692d ( 1 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. By reporting this inaccurate information, Midland Credit Management engaged in behaviors that caused severe harm to my financial reputation. Their egregious behavior has caused lenders to look at me in a much more negative light. This is a blatant violation of my rights, as set forth by the Fair Debt Collection Protection Act. Pursuant 15 USC 1692d ( 2 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. By pursuing the alleged debt, Midland Credit Management harassed, oppressed & abused me. Midland Credit Management used language that I consider obscene. Using inaccurate information, they slandered my name, telling major consumer reporting agencies that I owed them money and I did not pay my bills. That is obscene language and those comments had caused lenders to look at me in a more negative light. I was demanded to pay an alleged debt that was never validated as mine. I wasnt given an option in the matter. This made me feel very uneasy because it felt & still feels like they were attempting to extort me. Midland Credit Management continued to harass me by submitting inaccurate information to credit reporting agencies, thus ruining my financial reputation. These are blatant violations of my consumer rights, as set forth by the FDCPA. In light of the numerous violations, a result of their malicious behavior, please remove these accounts from my credit report immediately. Due to the numerous inaccuracies and violations on my file, Im demanding that the following accounts are removed immediately : Midland Credit Management - Account Number : XXXX
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a dispute by certified mail disputing Midland Credit Management , Inc. claim and requested a validation of their claim on XX/XX/XXXX. I then sent a failure to respond notice 33 day after on XX/XX/XXXXXXXX and as of XX/XX/XXXX theres still no response and they are still reporting this erroneous item on my credit report.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving multiple phone calls, letters, and threatens of legal action from midland credit management which is not mine. I originally tried to contact them to let them know it is not mine and to ask them to stop. I verified it was not mine by looking at debt owed on my credit score. When i did that they began to call more frequently and send more letters. The letters they send seem very sketchy as they dont include the whole account number. I feel that they are harrassing me. They say I owe XXXX dollars through XXXX XXXX I do not have a XXXX XXXX account. As of XXXX they are saying they will pass my info onto an attorney
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.
Company Response:
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is Web bank for the amount {$190.00}, that has went into collection on my credit report that I have disputed several times of ownership, and wish to get this account removed as quick as possible.
Company Response:
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. XXXX and Midland Credit is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.
Company Response:
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have requested multiple times from midland credit collections company detailed itemized list of the charges they are saying I owe. I am in disagreement of the amount on both as I was working with a repayment company. They have not responded and it has impacted my credit score for years, I turn, I have had to pay higher interest rates because of their false unverified reporting. I want the collections removed from my credit profile asap.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is 1 alleged debt under my name and credit report with Midland Credit Management. Since the first alleged debt was bought by Midland Credit Management over 4 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all 3 alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Company Response:
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A