Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was a credit card open in my name back on XX/XX/XXXX. This was opened fraudulently in my name and identity. and it seemed that whoever opened the credit card was making payments until XX/XX/XXXX. I had reported to the credit card company this was open fraudulently and figured since it was charged off on XX/XX/XXXX this matter was closed. Then I received some calls from some collection companies which seemed to change all the time, but I reported to them all when I got those calls, this was opened fraudulently and was repeatedly ignored and told it was still my problem to pay. Then about a year ago I noticed on my credit report Midland Credit Management that it was for the credit card, I disputed several times on my credit report on this and explained it was a fraud, with each report denied. I recently received papers I was being sued by Midland Credit Management who purchased this debt. on XX/XX/XXXX I went to the court house and filed an answer explaining once again this was a fraud. When I then called them because I needed to send them a copy of my answer and needed the fax number, I spoke with a gentleman and explained everything. He explained that I should go to this website and file a fraud report so that they can get a copy of this report and work on getting this cleared up and hopefully out of my name and off my credit report. So this is why I am sending this now to report this as fraud. I wasn't aware of ever advised by anyone I spoke with until today to report this as fraud and the process and where to go to do this.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed with company on XX/XX/XXXX. The company received my dispute on XX/XX/XXXX. Instead of sending validation of the debt they file a complaint on XX/XX/XXXX and then voluntarily dismissed on XX/XX/XXXX but did not remove debt from my credit reporting agencies and or verifying debt. They have sent me another request to pay with out verification of the debt. The FCRA gives a company 30 days to respond and I still have not gotten a response.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland Credit Management is in violation of 15 USC code 1692e by reporting a derogatory account that shows the account type as a " debt buyer '' on my XXXX report while also reporting it as a collection. On my XXXX report they are reporting account type as a " Factoring Company '' while also reporting it as a collection. And on my XXXX report, they are reporting the account type as " Debt Buyer '', while simultaneously reporting it as a collection. 15 USC code 1692e clearly states that it is a violation of federal law. In addition to their violation above, on my XXXX report they are also reporting the account as closed and are not reporting the date is was closed. By doing so they are inadvertently attempting to reage the account. The Fair Credit Reporting Act says that reaging an account is illegal. They are also reporting a balance other than XXXX which is also incorrect. Midland Credit Management must close this negative account, and permanently delete it from all credit bureaus that are currently reporting it under my social security number.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent a letter to Midland Credit Management after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them several certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they failed to provide me the requested legal documents or don't reply. I am not liable for this alleged debt and they have not provided the documents I asked. I demand that they delete this account from my credit report immediately.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: the information listed is incorrect. This is the second time they try to scam me out of money.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland credit and XXXXXXXX XXXX XXXXs are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been paying on a debt with Midland Credit Management that was {$750.00} XXXX XXXXXXXX bill. I have paid XXXX payments of {$100.00} each, for a total of XXXX, making my current balance, They are not reflecting my payments on the account portal of the website and not updating the information accurately with credit bureaus where they have been reporting that I owe more than I do.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed. Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''. I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit Management - XXXX Contacted my spouse whom I am separated from, who was not on the account! Gave him the details of my debt of {$1000.00} + dollars and that no payment has been made since XX/XX/2021 and asked him to make the payment. This is plain wrong- please do something about it.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A