Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX, XXXX tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Second card on credit account was opened in my name without my knowledge. Contacted credit card company to inform them I did nit authorize nor utilize credit card. The card was charged off to a debt collection agency and I was not informed of the garnishment of wages and currently pursuing fraud dispute.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: MIDLAND CREDIT MANAGEMENT HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$610.00} DOLLARS. THE COLLECTION HAS BEEN REPORTED AS A PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The original creditor on this is XXXX XXXX I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called Midland credit credit which is referring to the XXXX XXXX creditor which was removed already.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was off my credit file and has now reappeared. The account reporting amount is incorrect there is no reported activity from my end, but each month the company is increasing or decreasing the amount to keep this account active. This is fraudulent activity on Midland Funding end and I would like this issue addressed. The amount owed is not accurate.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit bureaus stated that the account was properly investigation but how is it possible if the debt is already paid. If the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal & numerous of rights violate, wherefore too many to mention. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 1 5 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. This is a violation of the creditor department policy By mixing files, Furnishing and reporting old in inaccurate information, privacy violation resulting in fraud by Creditors, withholding notices and most importantly willful FCRA violations, in which is fraudulent willful intent by to or more officials.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have contacted this company to validate the debt and to find out why the amount they are saying i owed is different then what the previous company stated. XXXX XXXX states that the balance is XXXX and amount owed is XXXX and this company is trying to collect on this debit. They have yet to validate this information with proof that they can collect on this debt and that it is owed. This is negativity impacting my credit and have made a negative impressing to lenders. I want this to be validated and removed off of my credit report.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX MCM Midland Credit Managment called my parents and did not correctly proceed with attempting to verify if I was the person and they gave out account information along with debt amount to them. After I learned about the malpractice action I then attempted to call them and they only verified me by name without asking for any other authentication proof and went directly to tell me about my debt information along with debt amount. I discussed with them the lack of authentication steps taken and told them about my steps to send a complaint to CFPB and to see if any legal matters can concur on the malpractices exercised by MCM.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland credit management is reporting this account with a {$920.00} balance and it has been paid.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Midland Credit Management # XXXX ( XXXX XXXX XXXX ) 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 states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A