Date Received: 2022-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name XXXX XXXX I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report. I demand that the following accounts listed on attached document be removed immediately. ( Midland Credit Management , Inc ) is using my consumer report with means to harm my consumer reputation as a way to swindle an coerce me into making payments on alleged debt, which is a direct violation of 18 U.S.C 894.
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2018 my roommates at the time took my credit card, and charged it resulting in the current charges. I had contacted XXXX XXXX to dispute and they said they were handling it from there. At the time I was still making payments on the card but then stopped once they said it was being taken care of. These charges ARE NOT mine and I had assumed everything was handled properly.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here adoes not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Balance {$130.00} XXXX, XXXX XXXX XXXX Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXMidland Cred {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company . I attached a copy of credit report as well. i could not attach on the next page
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was driving and I was trying to tell them i had resolved that debt. i asked for them to call me back that I was driving. The only thing that happened was the person got loouder and louder as i tried to repeat that i was driving and behind the wheel in my car. I got upset having someone over power me in my car. I gace up trying to communicate and hung up. I did not want to wreck and my attention was being diverted.I got another call and the person asked if it was mr XXXX I answered yes. She began to try to forcefully as in ovrtpowering the conversation. I had to speak up and I was requesting that her company send me information about themselves and also this debt I had not received anyrhing in the mail. She said they did and I told her I had not received any. she became aggressive again and and all I could do was hollar into phone so she could hear me over her own voice,,, SEND ME THE INFO..and then I hung up. I went back and looked at all my mail and there were no letters as she had said. I called the company after looking up my credit report and seeing what was going on. I got the number and address and called. I wanted to communicate .that I would like a letter explaining the debt. Who it was and when and are you Midland liget? I have just been idenity theft. The man would not take my information I was trying to convey and just began to talk louder and tell me they were going to collect. I tryed XXXXhatI had ro hollar this hoping he would hear me. I got upset again and I had yto hang up. Idecided to see if there were rules to help me as a consumer. I never took any federal or state finds during or at anytime with the covid crisis. The Complaint is about credit card
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company was contacted about this account being fraudulently opened and used I have made a police report and shared this information with the company as well
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Originally saw this account under the name XXXX reached out to inform the company that the account wasnt mines and was made from someone using my identity, but it stayed on my report. Now the account has been charged off and is on my credit even though i never made any purchases
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Checked my XXXX XXXX and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello CFPB, I am attaching a PDF to this complaint that is formatted to be easier to read than this text only field. Please kindly review that PDF in full. Im hoping you can help me Remove an Improper Reporting on my credit report. Midland Credit Management is falsely reporting the following account number XXXX I have NEVER had a contract with this company for Anything Whatsoever! Harassment : Employees from Midland Credit Management repeatedly call my personal cell phone and Harass me with Threatening, Discriminating, Demeaning and Rude language. I am Scared to hear the phone ring, because Im Fearful, never knowing what Nefarious and Underhanded tactic Midland Credit Management will be using to harass me another time. I have blocked countless Virtual Telephone Numbers used by this company to mask their true identity and trick people to answer the phone from a telephone number that appears to be local to their area code. Unfortunately, they just use another virtual telephone number to circumvent being blocked. This has gotten so bad that I flinch whenever the phone rings and no longer answer my phone from any phone numbers that I dont recognize. Its terrorizing. ( If you need, I will send you screen shots from my phone showing the dates times and phone numbers they use to contact me. ) I want this company to immediately delete everything they have added to my credit report. Furthermore I want all credit reporting agencies ( XXXX, XXXX, XXXX etc ) to immediately delete, from my credit report, anything related to Midland Credit Management and/or account number XXXX. Midland Credit Management does NOT have permission to contact me ever again in any form whatsoever! Right to Privacy : Midland Credit Management Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. Likewise 15 U.S.C 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I did not Grant, Approve or Authorized Midland Credit Management permission to obtain any information or report it onto my credit report. I do NOT approve this reporting! I want Midland Credit Management to ; Cease and Desist reporting any and all information to all consumer reporting agencies. AND Delete all previously reporting to all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the violation of the FCRA and infringements were willing, and deceptive. Midland Credit Management must Immediately Delete this account, # XXXX, unless they want to be held liable for {$1000.00} per violation as permitted by tha FCRA. Improper Validation : I disputed this reporting directly with Midland Credit Management by sending them a letter on XXXX. On the same date I sent dispute letters to XXXX, XXXX and XXXX requesting they remove this inaccurate reporting. These letters were sent certified mail. ( I will be happy to send you a copy of the letters and the certified mail tracking numbers if you need them. ) Midland Credit Management Did NOT provide to me a Full and Complete Verification of this account reporting as REQUIRED by 12 CFR 1006.34 ( c ) Validation information Since they violated this statute, Midland Credit Management must Immediately Delete this account, # XXXX and all relating information, OFF of my credit report. Improper Re-Aging of Account : The most infuriating thing this company has done is to repeatedly report a new balance on my credit report, essentially fraudulently re-ageing this account. One day they report a new balance increased by One ( XXXX ) dollar, then days later the new balance will decrease by One ( XXXX ) dollar. This is Fing insane, I have no interaction with this XXXX company so there is no plausible reason for the balance to fluctuate by XXXX ( {$1.00} ) dollar OTHER than for Midland Credit Management to attempt to continue their fraudulent reporting on my credit report in-perpetuity. Midland Credit Management is engaging in this illegal re-ageing practice as detailed in FCRA Section 623 ( 5 ) ( A ). Below I will include a timeline of events recorded by the credit monitoring service I pay for, XXXX ( I will be happy to send you screen shots of these events if you require. ) Since they violated this re-ageing statute, Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. Likewise XXXX, XXXX, XXXX must immediately delete, anything related to Midland Credit Management and/or account number XXXX. Timeline XXXX - XXXX sent a dispute letter to Midland Credit Management requesting validation of the account. XXXX - A new comment is made to my credit report ( regarding the account in question ) on XXXX and XXXX Comment : Consumer disputes this account information XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX and XXXX. XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. XXXX - Midland Credit Management Calls my Cell Phone TWICE from an New Phone Number ( I block it ) XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) ( I can send you screen shots of each of the events in this timeline. ) Midland Credit Management is Artificially Increasing and Decreasing a new balance to harass me through their fraudulent and illegal activity through my credit report, keeping this account active, Re-Aging it in-perpetuity. Then they call my cell phone, presumably to further attempt to intimidate me. I have XXXX HAD ENOUGH!!!!! Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX. Factual Inaccuracies : Please kindly see XXXX screen shots below, taken from my credit report on XXXX. ( Ive added arrows pointing at the line items labeled Balance and High Credit ) The Balance item is listed at {$7600.00} and the High Credit item is listed at {$7600.00} a difference of XXXX ( {$1.00} ) dollar. These XXXX items can NOT be factually accurate in the same universe! Please also note the Date of last Activity is reported as follows. XXXX XXXX, XXXX XXXX, XXXX XXXX That is XXXX XXXX! I have NO interaction whatsoever with Midland Credit Management, so there CANT BE ANY LAST ACTIVITY REPORTED!!!! Furthermore, they are years different!!!! If Midland Credit Management does not immediately remove this reporting I will be forced to take further action of seeking damages of up to {$1000.00} per violation. Likewise, If Midland Credit Management does not immediately remove this reporting, I will be forced to report them to the California State Attorney General and XXXX XXXX XXXX Furthermore, If Midland Credit Management, XXXX, XXXX and XXXX do not immediately remove this reporting, I will retain Legal Counsel to seek the full legal remedy Im entitled to via the courts. Resolution / Remedy : By now you should realize I am VERY upset and believe the only way I can find relief is to report Midland Credit Management to the regulating authorities. I apologize for my tone, MASSIVE frustration and colorful vocabulary. Midland Credit Management is perpetrating Fraudulent and Illegal Reporting on my credit report in MANY different ways, and IVE HAD ENOUGH! In accordance with 15 U.S.C. Sec. 1681i ( a ) I want this account deleted because there is no possible way it is being reported legally, XXXX percent right, correct, factual and accurate. Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX. I look forward to resolving this issue as SOON as Possible. Thank you for your continued assistance. XXXX XXXX Please find my identification documents attached below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 of XXXX : XXXX
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A