Date Received: 2024-01-18
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: I filled a dispute with midland management to send information about an collection account that i know is not mine I never did business with midland management
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I unfortunately had two accounts acquired by Midland Credit Management following my XXXX XXXX. Despite bringing to their attention the inaccuracies in the information they report, they persist in providing false details. Multiple disputes have been initiated, yet the credit bureaus insist on validating the erroneous information. I can substantiate that account XXXX XXXX has been fully settled through garnishment ( although I was never served with court documents for any court action ), and I have been consistently making payments via their website, none of which are accurately reflected. Additionally, monthly payments made on account XXXX XXXX through their website do not accurately reflect the correct balance. Their fraudulent reporting persists, and the credit bureaus fail to diligently rectify the situation, allowing this deceptive activity to persist. Additionally, they persist in asserting that the account is open and active, even though it is not.
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a certified letter in the mail from Midland Credit Management Inc about a credit card I never had from XXXX XXXX XXXX. I was married back in XXXX and legally changed my name from XXXXXXXX XXXX XXXXXXXX. This account was opened in XXXX. There should have been identity precautions in place to stop someone from opening an account in my maiden name. I will be making a police report today as well. I have been in at least three security breaches in the past five years. I would like this taken care of asap. I can provide XXXX XXXX etc if needed.
Company Response:
State: MI
Zip: 48161
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear MIDLAND CREDIT MANAGEMENT I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The mcm collection calls more than XXXX times per day. Leaves more than XXXX messages per week and on XX/XX/ left messages back to back all day
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/year> I sent the company a debt validation letter, requesting more information about the debt including a wet ink signature.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$2400.00} Payment Status Collection/Chargeoff Account Status Derogatory Date Reported XX/XX/ MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$3600.00} Date Reported XXXX XXXX XXXX Account Status Derogatory
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have repeatedly requested that this company provide proof that this debt is mine. I have specifically asked for proof of my signature to validate this debt and they have failed to provide any proof or documentation. They are falsely reporting on my credit report and impacting my life.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Upon reviewing my credit file, I have discovered inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A