Date Received: 2022-04-28
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This morning at XX/XX/2022 at XXXX MST I was contacted by midland credit management. The last contact noted for them to contact via mail using the address they already have on file including further detail on original balance of debt one debt 3 years ago. They since then acquired 2 additional credit card debts while I was between settlement vs bankruptcy.I recently spoke to the attorney garnishing my wages noting Ill call once the final payment is resolve and since then they have started to call again and they are well aware of the time zone and address as I was served by an west coast law firm. As of 2 days ago I am a part of the national debt relief plan to settle the remaining accounts.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company insist on making harassing calls after I requested not to be contacted by phone. I told them this is not my debt but they still send me harassing letters and calls and have not send me the debt validation information i asked them for.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Midland credit management Inc account # XXXX, has violated my right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error XXXX XXXX XXXX consumer by law at XXXX information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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: This company has violated my rights. MIDLAND CREDIT XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C 1681 section 602 A. states I have the right of 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. 15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card. 15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received incessant calls from a MCM ( Midland Credit Management ) company saying that they need to verify employment on me. I asked that they send over an email requesting this. I have impeccable credit and they did email me and the social security number they have IS NOT mine. When they call and harass me I ask what they are calling for and they refuse to tell me and only say XXXX XXXX. I explain that the social security is not mine and they DEMAND that i provide my social security. I have called them five times and one person advised they were looking for a XXXX XXXX. This was the person who sold me my home! They refuse to send me some kind of letter of what it is for and are demanding and call me every single day after they say they have the wrong person and i will take me off their list. However, they never do. I am humiliated as my credit score is XXXX and i do not have any past due bills. They have violated my rights on several attempts to collect a debt from someone that is NOT me. Please help me with this as upon looking online this seems to be this companies MO. I have contacted two attorneys on this that are going after this specific company as well!
Company Response:
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MCM otherwise know as Midland Credit Management started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. MCM threatening again for ( XXXX ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to MCM, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. 2819
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Was making an on-line payment to account. Web page had changed from last month 's payment. Landing page was pay full amount and " YES '' was the default. Next screen had my payment information stored on file when permission was never given to keep PII information. When I clicked " next '' full payment was processed without a confirmation screen and depleted my entire savings account.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A