Date Received: 2022-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Midland Credit Management no less than 3 times requesting validation of the collection they are reporting on my credit file. I have requested the following from Midland Credit Management : 1. Copy of the original contract baring my signature that I actually signed on for this debt. 2. Payment history from the original creditor that shows my payment history. 3. Name and address of the original creditor and last Proof that Midland Credit Management either owns or have been assigned this debt to collect. Midland Credit Management has failed to provide this information and continues to report inaccurate information on my credit file.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I responded to a letter in the mail from this debt collection company. They asked that I send a dispute letter within a certain amount of time if I don't believe the debt is mine. I sent the letter and never got any correspondence back. Today, I get a notification that the debt is being reported to my credit reports. The debtor has purchased debt that was a result of identity theft and is reporting is as accurate dispute my dispute letter. The did not respond nor notate the account as fraud. The previous account owner also knew of this fraudulent debt and was not suppose to sell or transfer without notifying the new owner that the debt was discharged due to identity theft. XXXX XXXX isn't reputable and does not respond to dispute letters. They only send the letter out to say they are FCRA compliant but they do not abide by the full extent of the law.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Midland Funding Account # XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 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: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My original debt was with XXXX XXXX XXXX This debt was in XXXX. It went delinquent around XXXX and I as sold to a collection agency in XXXX and then again with this new agency Midland funding LLC. In accordance with the FCRAs guidance, this debt should have fallen off of my credit report already. I asked Midland for a statement of original debt as well as disputing this debt collection agency through XXXX XXXX XXXX and XXXX websites. Yet, this debt collector still remains on my credit report. I need to have them removed due to the fact that the debt they are attempting to collect is well past time to be removed. Thank you
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent in proof that Midland credit Management by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. I have sent in proof that XXXXXXXX XXXX XXXX was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize XXXXXXXX XXXX XXXXXXXX to use my information. It is against the law. They still wont remove it. # Midland Credit Management and XXXXXXXX XXXX XXXXXXXX both have 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: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: MCM ( Midland Credit Management ) gave my personal information to someone else without using any type of verification rules and regulations of the CFPB or the FDCA. This information was leaked on XX/XX/2022. Given total amount of unsecured credit card debt of {$1700.00} to be collected as well as the last payment of XXXX dollars including the balance at that time of {$1600.00}. This information was given without my consent. The company also informed this person that if the Credit Card Debt was not paid in full or arrangements made they would move forward taking legal actions against me for the full amount owed. My family is now getting harassing phone calls from this company. My grandmother was called.
Company Response:
State: OH
Zip: 43920
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean 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.15 Duty to Correct and Update Information. A furnisher that regularly furnishes information to XXXX is also required to notify a XXXX if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 Duty to Provide Notice of Dispute. When a consumer disputes the completeness or accuracy of furnished information, the furnisher must note the dispute to the XXXX when furnishing the information.18 Duty to Provide Notice of Closed Accounts. Furnishers that regularly furnish information to XXXX must notify the XXXX when a consumer voluntarily closes a credit account.19 This information must be included in information regularly furnished for the period in which the account is closed. The legislative history indicates that this requirement is designed to complement the requirement in 605 of the FCRA that XXXX must indicate in a consumer report when a consumer voluntarily closes an account20 and to ensure that an account closed by a consumer does not lead to the incorrect assumption by credit grantors reviewing the consumer 's consumer report that the account was closed because the consumer failed to meet its terms. Such an assumption could result in the denial of credit to a consumer.21 Duty to Provide Notice of Delinquency of Accounts. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a XXXX the furnisher must notify the XXXX of the date of delinquency on the account no later than 90 days after furnishing the information.22 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. For example, if an account became delinquent in XX/XX/XXXX but the creditor waited until XX/XX/XXXX to sell it to a collection agency, the date of delinquency is XX/XX/XXXX. See S. Rep. 104-185 External Site, at 49-50 ( XXXX ). Identity Theft. Furnishers are required to maintain reasonable procedures to respond to notifications from the XXXX under 605B relating to information resulting from identify theft in order to prevent the refurnishing of this information. In addition, when a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher may not report the information to the XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct.23 Negative Information. If a financial institution that extends credit and regularly furnishes information to a nationwide XXXX furnishes negative information to the XXXX about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the XXXX The notice must be provided to the consumer no later than 30 days after furnishing the negative information. After providing the notice, the financial institution is not required to send the consumer additional notices if it furnishes additional negative information to the XXXX about the same transaction, credit extension, account, or consumer.24 Two model forms ( Furnishing Negative Information ) are available in Appendix B of Regulation V. Appropriate use of one of the two model notices in Regulation V provides a safe harbor for complying with the notice requirement in 623 ( a ) ( 7 ). See Appendix B of Regulation V.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Inaccurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean 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.15 Duty to Correct and Update Information. A furnisher that regularly furnishes information to XXXX is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 Duty to Provide Notice of Dispute. When a consumer disputes the completeness or accuracy of furnished information, the furnisher must note the dispute to the CRAs when furnishing the information.18 Duty to Provide Notice of Closed Accounts. Furnishers that regularly furnish information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.19 This information must be included in information regularly furnished for the period in which the account is closed. The legislative history indicates that this requirement is designed to complement the requirement in 605 of the FCRA that CRAs must indicate in a consumer report when a consumer voluntarily closes an account20 and to ensure that an account closed by a consumer does not lead to the incorrect assumption by credit grantors reviewing the consumer 's consumer report that the account was closed because the consumer failed to meet its terms. Such an assumption could result in the denial of credit to a consumer.21 Duty to Provide Notice of Delinquency of Accounts. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.22 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. For example, if an account became delinquent in XX/XX/XXXX but the creditor waited until XX/XX/XXXX to sell it to a collection agency, the date of delinquency is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX ). Identity Theft. Furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs under 605B relating to information resulting from identify theft in order to prevent the refurnishing of this information. In addition, when a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher may not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.23 Negative Information. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a consumer credit extension, it must provide a clear and conspicuous written notice to the consumer indicating that it furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. After providing the notice, the financial institution is not required to send the consumer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or consumer.24 Two model forms ( Furnishing Negative Information ) are available in Appendix B of Regulation V. Appropriate use of one of the two model notices in Regulation V provides a safe harbor for complying with the notice requirement in 623 ( a ) ( 7 ). See Appendix B of Regulation V.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: XX/XX/2022 XXXX XXXX I received a call from Midland credit.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A