Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I started receiving calls from XXXX XXXX XXXX few months back [ around XXXX 2021 ]. Initially i thought it was a span call so avoided it. But around some point later when i spoke to they they told me i have a credit card debt for around {$1800.00}. They also added i had multiple purchase from XXXX XXXX. I explained i never opened an account with that bank. Matter of fact never heard of that bank before. Now they sold the debt to Midland Credit Management and they send me a legal notice. I am working with them and they asked me to open a fraud report in FTC and send it to them so that they can take the process further. Note : One of the bank representative told me when i had a legal purchase from my debit card in XXXXXXXX XXXX in XXXX, Texas location they might have enroll me in an their credit card program from XXXX XXXX Bank and send to my then legal address. And someone might have stolen and activate the card.
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of this account, and is going to be in litigation. PLEASE REMOVE ASAP
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had a loans transfer to another company XXXX XXXX XXXX. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : 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 an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As per my conversation w/a representative from Midland Credit Management XXXX XXXX XXXX XXXX on XX/XX/XXXX, it was asked if I ever lived at XXXX XXXX XXXX XXXX XXXXXXXX, FL. XXXX. I explain to XXXX XXXX that I have never lived at this address. Also mentioned that my information was stolen, and I have been victim of fraudulent actions due to this matter. I separated from my ex-husband back on XXXX and around that time I also was able to find out that someone used my information to open several accounts and used an XXXX account, and went ahead and purchased an entire alarm system for their house, the only thing I remember was that their house was near XXXX XXXX area ( which again I have never lived in that area ). Unfortunately, due to everything going on that became an untouched matter. Back around XXXX I was reached out by the fraud department of elections as once again my information was tempered with. Obviously, XXXX XXXX XXXX is a very common name and is unfortunately because it seems that this matter might continue to happen. The above address I have never lived there and the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL. XXXX was a house not an apartment. After that I moved to XXXX, then back to XXXX XXXX, and last to XXXX once again. Is obvious that based on the initial information I was able to collect this debt is not mine and is unfair that I must pay for someone else responsibility.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management, for committing identity theft. I have never given Midland Credit Management, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Midland Credit Management and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Midland Credit Management any right to collect on this alleged debt. I have never received any documentation requesting validation from Midland Credit Management, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted the collection agency in XX/XX/2022. I tried to get a pay agreement for XXXX installments, but the lawyer was rude and aggressive. Instead of paying the entire amount owed {$750.00}, he said I had to pay {$1200.00} upfront, give or take a few dollars, if I wanted to sett the bill. Honestly, the bills isnt mine. A family member stole my identity. Im putting my life back together and need the bill off of my credit report, but I dont have additional money to pay.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX calls in the last 60 days from a variety of numbers. From this number - ( XXXX ) XXXX XXXX ( last 60 days ) - from this one ( XXXX ) XXXX XXXX from this ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX in last 60 days - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A