Date Received: 2022-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: One year ago ( XX/XX/XXXX ) I started looking at my credit reports to see what was on it to see what needed to be done to get my score up to purchase a home. Upon doing this I came across a account in collection Midland funding LLC prior creditor was XXXX XXXX for {$560.00}. I had no idea what is was or who it was for so I disputed it telling them I didnt know what this was for and wanted it to be validated. They would just respond with a letter that said the account was valid. I disputed it twice. Now this month ( XX/XX/XXXX ) I decided to call XXXX to see if the could tell me more about what it was for since when I tried to find out I didnt get a informative response. The agent at XXXX told me it was for a store credit card, the store was XXXX and the original charges where done in XXXX or XX/XX/XXXX in Missouri. At that time I was actually in XXXX XXXX, Washington where there isnt any XXXX stores so I immediately reported fraud as it wasnt me. I have documentation that proves when I actually flew to WA and ended up residing there until XX/XX/XXXX. Had I taken the time sooner to look into everything on my credit report I would have most certainly reported it sooner.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I attempted to have the debt verified via nototorized statement from someone with original knowledge of the debt, as well as something from the original creditor with my signature on it. this request went unanswered by Midland Credit Management, who then continued to attempt to collect on this debt. I have serious doubts that this debt belongs to me. I've since received a letter stating that legal action will be taken on XX/XX/2022 if the debt is not paid in full at that time. Again I doubt the validity of this debt and do not believe it to be mine. Also while attempting to get validation of this debt they continued to report it on my credit reports. In addition they've listed the account that they hold as " open & past due '' if this debt were mine it would be impossible to be open or past due after the fact.
Company Response:
State: PA
Zip: 167XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right 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
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
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 Account beginning # 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 a account without my written instructions
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent in paperwork they requested to resolve the issue but they are still contacting me with threats to take the issue to court.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I did not consent to nor authorize, nor benefit from the account XXXX of Midland Credit Management , Inc.. Block and Remove account XXXX. XXXX XXXX President/CEO and XXXX XXXX Division Manager of Midland Credit Management , Inc . is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All of Midland Credit Management , Inc. management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. Midland Credit Management , Inc. are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated. As in violation to 15 U.S.C. Section 1692 ( a ), Midland Credit Management has no right to commit fraud and send my information to debt collectors. My request is immediate removal of all Midland Credit Management from my personal credit report. Thanks!
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: THIS COMPANY " MIDLAND CREDIT MANAGEMENT '' HAS BROKEN SOOOO MANY FEDERAL LAWS! MIDLAND CREDIT MANAGEMENT HAS BEEN HARASSING ME AND THREATENING ME WITH LEGAL ACTION AND I DON'T HAVE A CONTRACT WITH THIS COMPANY. I HAVE MADE SEVERAL ATTEMPTS REQUESTING " PROPER DEBT VALIDATION '' ( UNDER FEDERAL LAW ) AND A CONTRACT SIGNED BETWEEN MYSELF AND THEIR COMPANY AND THEY BASICALLY REFUSED TO SEND ME ANY VALIDATION WITH MY NAME " AND '' THEIR NAME.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
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 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 a account without my written instructions Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX _________________________________________________________________ in accordance with the Fair Credit Reporting act 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 a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Status Open Type Individual High Balance {$360.00} Unpaid Balance {$360.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 a account without my written instructions Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$270.00} Unpaid Balance {$270.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX in accordance with the Fair Credit Reporting act 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 a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$120.00} Unpaid Balance {$120.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX _________________________________________ in accordance with the Fair Credit Reporting act 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 a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Status Closed Type Individual High Balance {$640.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Closed By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXXhas 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 a account without my written instructions XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX Status Closed Type Individual High Balance {$1000.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Paid Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Called the company and asked for information, figured out this is not my account, it was opened online and not mine
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Midland Credit Managemen and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all XXXX Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: OH
Zip: 43223
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A