Date Received: 2022-03-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This old debt from before XXXX for an Auto purchase loan for about {$2500.00} they now want {$12000.00} for this charged off debt. This Charged off debt is continually being sold from one collection agency to another. In XXXX the prior collection agency Asset Acceptance , LLC sued me and the XXXX XXXX Court dismissed the debt. About ever 12 to 15 Months, I receive a new threat of reporting me in collection to the Credit Bureau 's and to be sued from an other Collection agency that they have sold information. Attached is the current threat as of XX/XX/XXXX.
Company Response:
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: According to my last statement with XXXX XXXX my balance was {$750.00}. How is it in collections for {$1000.00} CURRENT BALANCE 1 {$1000.00} Original Creditor XXXX XXXX XXXX XXXX Merchant or Service provider MIDLAND CREDIT MANAGEMENT , INC. - XXXX Original Account Number XXXX XXXX XXXX Account Number XXXX
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management sued me for a credit card debt in XXXX XXXX XXXX Florida. I reached an agreement with the collection company to settle the debt for the amount of {$500.00}, which has been paid alreadyand on time according to the terms of the agreement, and according to the mentined agreement they were to remove the collection from my credit report or report it as paid. This has not happenned as of today.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for... By me going through this alleged debt dated back XXXX. You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA. Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c. Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report. And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!!
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Assets Acceptance LLC ( case no. XXXX ) has been trying to collect debt for me for the pass 13 years now. I have spoken and told them that I didnt open up or have in records of it. In the of XXXX and the beginning of XXXX I was living with my XXXX in North Carolina I have paystubs to show that I was there during that time period. I believe someone used my information to proceed with this account. Ive been trying to dispute for the pass couple of years.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On or around XX/XX/XXXX I received a XXXX envelope delivered to my home, enclosed was a debt collection letter from Midland Credit Management for 2 separate accounts. I had no idea these debts even existed, so I sent them a debt validation letter. The debt validation letter was sent back to Midland Credit Management by XXXX XXXX, Tracking number XXXX XXXX XXXX on XX/XX/XXXX. This was well within the 30 days of being initially notified about the debt. Midland Credit Management NEVER responded to my debt validation letter as required by Fair Debt Collections Act, yet they have continued to negatively report to all 3 credit bureaus against the law. I called them multiple times and was told no one could discuss the debt with me because I was represented by an attorney? I sent the dispute letter by myself, I was NOT represented by legal counsel. I called a dozen times over the course of XXXX months. I received another letter in XXXX from Midland Credit Management and again responded within the allowed 30 days with another debt validation letter that went unanswered by Midland Credit Management. This letter also sent via XXXX XXXX XXXX # XXXX XXXX XXXX. Both letter sent to the address listed on their paperwork and signed for by an employee of Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI To date, XX/XX/XXXX Midland Credit Management continues to illegally assault my credit reports over unvalidated debts they claim I owe, yet have provided me with no proof of such debt.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management from XXXX XXXX XXXX, ( their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) ) they bought an old collection account from somewhere else and started to aggressively go after me for this disputed debt. They have called from known numbers and from " anonymous '' numbers sometimes up to four times a day. Also, they called my close friends, my next of kin and discussed the matter with them while under the guise of looking for me. They need to be stopped.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
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: I sent a validation letter to Midland Credit Management on XXXX XXXX, 2022 attached below under Midland Validation letter. Their response was to only send an invoice of an amount they claim I owe them. I have already disputed the account with the original company ( XXXX ) that the debt does not belong to me ( attached below ) as this company does not have the correct address on file. So why are midland still reporting on my credit report, as they have provided no proof this credit belongs to me, I did not sign any paperwork, and are reporting inaccurate information.
Company Response:
State: TX
Zip: 78516
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A