Date Received: 2022-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX {$1300.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX XXXX Date Updated : XX/XX/2022 High Balance : {$1300.00} Original Creditor : XXXX Past XXXX : {$1300.00} Pay Status>Collection< Estimated month and year this item will be removedXXXX Remarks>PLACED FOR XXXX
Company Response:
State: FL
Zip: 33025
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Looked at credit report on XXXX XXXX XXXX it showed i had a debit in collections from Midland Credit Management whom i do not know. I clicked on that & it said the original creditor was XXXX XXXX XXXX ( NEVER heard of ). It is a Balance of {$290.00} but i don't feel as this is my debt & should not have to pay for it.
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2022-06-23
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 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OK
Zip: 73110
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
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 XXXX 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: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Sent a letter to me for possible litigation. They did not respond to my validation letter requesting if they are legitimate company or if they are allowed to collect debt in my state. I sent the validation letter in XX/XX/2022. Still no business license sent or proof they can collect in my state
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account has been reporting incorrectly and inaccurately on my report. It is reporting inaccurate date of last activity, payment history, and balance. It is a clear violation of my right under the FCRA to report incorrect and inaccurate information.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management : 1 ) Is still reporting on my credit file illegally. 2 ) Them removing themselves after confirming the original creditor has been paid, is not contingent on whether they get paid. this has nothing to do with me. Thats an issue between them and XXXX who they had a contract with. 3 ) They also refuse to remove them selves as a form of retaliation. 4 ) Should be fined at the highest possible level for retaliation, false reporting, and lying to the CFPB. 5 ) Fined for not immediately removing themselves from my credit file, by continuing to do me serious harm credit wise. My credit score is lower because of this intentional false information
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To my knowledge, I have never received any written notice of my right to dispute my credit card debt. From the mail I did receive, from an Attorney 's Office, the amount of my debt was disproportionate to the credit limit of the two cards that I defaulted on. My cellphone, which did not have unlimed minutes, was called from various numbers daily, 4 to 5 calls per day, that were not identifiable. I did a reverse phone search and found them to be from 'bill collector ' or 'Midland Credit ' . We have a court date, of XX/XX/XXXX, here in Pennsylvania. I have since learned that debt to a credit card company in this state is removed in 4 years. I'd like information about my debt. When my last payment occurred, and the balance due when it was charged off by the original creditor. Midland Credit has moved the date of the hearing that I requested from XX/XX/2022 to XX/XX/2022. I need to know what's legal and any info I can get on those accounts. Thank you for your help.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. XXXX XXXX, XXXX mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can XXXX XXXXXXXX XXXX allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A