Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is reporting false information about 2 credit cards that I paid off and I closed the accounts. I had returned some items during the Covid lockdowns ( totaling less than {$200.00} ) which they didn't credit on my accounts, and I contacted the credit card companies directly to resolve it, sent them copies of my receipts. Instead of dealing with me, the credit card companies wrote the accounts off. MCM is sending mail and calling me stating the balance is {$1900.00}.??? MCM has multiple addresses and telephone numbers on their correspondence. They have different " account '' numbers on every piece of their correspondence. This is a scam. They are causing my credit score to be lowered. I'm sure they were paid by the credit card companies. It's all a scam.
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$1100.00}. MIDLAND CREDIT MANAGEMENT is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. MIDLAND CREDIT MANAGEMENT it is a third party and has no standing to deny my claim. I am aware that MIDLAND CREDIT MANAGEMENT can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold MIDLAND CREDIT MANAGEMENT liable for these violations. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe MIDLAND CREDIT MANAGEMENT is in direct violation of 31 U.S. Code 3729 - False claims.
Company Response:
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland funding LLC garnished my wages at XXXX XXXX on XX/XX/XXXX for outstanding credit card debt. The initial small claims was dated XX/XX/XXXX. Also it was documented that XXXX XXXX my fianc was served with papers on behalf of me. He was a boyfriend. I would think they would need to serve the defendant in question not another person? Also that it was served by the XXXX XXXX XXXX XXXX. I lived in XXXX XXXX at the time. Also that it had been over 2 years in duration since the initial filing. I was not aware I could have my wages garnished for CC debt? Also what cost XXXX?
Company Response:
State: IA
Zip: 52501
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States have the ight to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am making a second complaint against Midland Credit Management for being in violation of 15 USC 1692 ( a ) & ( d ). Per previous compliant, this company did not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. A trilateral contract was not provided that they legally obtained my personal information. Midland Credit Management attached statements which are not bills. Midland Credit Management promised to cease communication & close my account but has not deleted this alleged debt from consumer reporting agencies which is indirectly communicating with me.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They have been robo-calling me for over XXXX months. I answer they hang up. Today a guy named XXXX XXXX finally picked up and promptly told me they were going to sue me if I did not arrange to pay them for XXXX XXXXXXXX today. When I complained about the robo calls he said they are trying to collect a debt. He told me the call was recorded at the beginning as well so they have a record of the call.
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue, for the past two years, receiving invoices from Midland Credit Management , Inc. ( a debt collection company XXXX XXXX XXXX, XXXX, account number ending XXXX XXXX XXXX XXXX XXXX - Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't own MIDLAND Credit and I don't own XXXX XXXXXXXX XXXX anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a contract with MIDLAND CREDIT MANAGEMENT.please send me a copy of your license to collect a debt in New YorK State. You purchase debts as a debt collection device to make money as a debt collector, in which this alleged debt is already paid in full by MIDLAND CREDIT MANAGEMENT. YOU have 5 days to respond with a statement of account with a zero balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will receive notice and demand for {$12000.00} in damages for Fraud, Denial of right to privacy, Dishonor of commerce, TILA violation, Collusion, Racketeering, Intimidation, FDCPA violations.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A