Date Received: 2022-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was opened from XXXX XXXX which is now be handled by Midland Credit Management. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in 4-5 months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have contacted Midland Credit Management at XXXX. explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. I need these debts to be removed from my report and would like a letter stating they were settled. MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Someone took out a XXXX XXXX credit card with my name and address but wrong birth date and email. I found out a credit report was done while trying to take out a new vehicle also in XXXX XXXX
Company Response:
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREDIT MANAGEMENT IS REPORTING A FRAUD ACCOUNT ON MY CREDIT. I HAVE ADVISED THEM ITS FRAUD. I ALSO MADE THEM AWARE THE ORIGINAL CREDITOR XXXX REMOVED THE ACCOUNT FROM MY CREDIT IN 2021. NOT ONLY IS THIS ACCOUNT FRAUD, MIDLAND CREDIT IS ALSO IN VIOLATION OF THE FCRA. THEY ARE REPORTING THE ACCOUNT OPENED XX/XX/2021. THAT WAS OPENED WITH THE ORIGINAL CREDITOR XXXX. THEY HAVE REAGED THE ACCOUNT FOR ONE. SECOND, THEY ARE LISTING THE ACCOUNT WITH PAST DUE WITH A BALANCE OF {$850.00}. COLLECTIONS ARE NATURALLY PAST DUE BY DEFAULT. I AM CURRENTLY SPEAKING WITH A LAWYER TO CONSIDER LEGAL ACTION FOR THE FALSE REPORTING OF A FRAUD ACCOUNT.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I asked them to show me the payment history, payoff disclosure, interest rate disclosure, credit insurance, balance history, and the original contract I haven't gotten it yet.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit calls at least once a day from various numbers and never leaves a message. I don't know what this debt is for on whose behalf they are collecting.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get called everyday from MCM. I keep telling them to stop calling me. They called my roommate who no longer lives with me and that is unacceptable.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I tried to pay XXXX XXXX and Midland Credit Management Inc. on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XXXX/XXXX/2022.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management. This collection agency is slandering my credit by placing false information onto my credit files. I had complained in XXXX about the untrue information that this collection agency is reporting, and they had stated that they were going to remove it, but they have not. And to begin with, this collection agency had placed this derogatory debt information onto my credit files without first verifying it. I dont owe the balances that are being reported, neither have I had anything to do with either, XXXX XXXX , nor XXXX XXXX since XXXX of XXXX. Midland Credit Management is reporting false, untruthful status, and date information regarding these accounts onto my credit files. Midland Credit Management is placing false information onto my credit files for, XXXX XXXX account number # XXXX, for {$320.00}. And XXXX XXXX XXXX, account number # XXXX, for {$1200.00}.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A