Date Received: 2022-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ). Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested. During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern. I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt. At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias. I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse. thank You
Company Response:
State: MN
Zip: 55421
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My complaint is against Midland Credit Management, which is a collection agency for XXXX XXXX. I have been paying my debt but they insist in reporting a higher amount of what I actually owe. I have called, send emails and letters asking for a review of my account detailing the payments I have made and the outstanding balance in order for me to pay it off and close this matter. I have been ignored even when I have sent them copies of of the checks they have received from me and paid by my my bank ( XXXX ). Their online page shows some payments but a check for {$2300.00} is not listed and therefore, the balance is incorrect.
Company Response:
State: IL
Zip: 60077
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I sent a letter to each credit reporting agency requesting a full and complete credit verification. Several things happened, XXXX completely stopped reporting my credit and my credit file with them has not been updated since XXXX. Also, Midland has 3 collections reporting that have not be verified and are also a violation of my consumer credit protection under 18 USC 894 which reads ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under Midlands reporting is also against the CFPB suit against them as listed here The Bureaus complaint, filed in federal district court in the XXXX XXXX XXXX California, specifically alleges that since XX/XX/XXXX, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it. The Bureau also alleges that the companies violated the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures. On or about XX/XX/XXXX, these three Midland collections were listed as closed and removed from XXXX and XXXX. On or about XX/XX/XXXX, they all reappeared. This is a violation of 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have NEVER given Midland authorization to report anything on my credit file.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have a unauthorized unverified Account listed in my credit
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company refused to remove this information off of my credit report
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from midland credit management threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was taken out in my name thru the company XXXX XXXX XXXX ) on or about XX/XX/XXXX. I never opened this account. There were charges made on this account of {$1700.00} This account has been sold to a collection agency named Midland Credit Management XXXX XXXX : Tel : ( XXXX ) XXXX spoke to XXXX This has been filed as a legal case in XXXX XXXX, XXXX XXXX Texas XXXX Case # XXXX and they are suing me for {$1700.00}. I did not open or use this credit card. I was divorced in XXXX of XXXX and am trying to pay off credit card debt that was put on me by the court. I would not open nor have I opened any other credit card. Talking with XXXX she told me to contact the FTC to alert this matter to them. I also wanted to see any paper work to show ( I ) opened this account,,, Nothing. Case number Thru Midland Credit XXXX is XXXX This has been reported as a sign off on my credit and is affecting my credit, and I will not pay this.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A