Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAGEMENT IS LISTING AN ALLEDGED DEBT ON MY CREDIT AND I DONT HAVE A CONTRACT WITH THEM AT ALL OR KNOW WHO THEY ARE. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 1. I was contacted by the debt collectors last year and was not notified that I can dispute the collections debt. 2. They keep calling me because I scheduled payment plans with them that I simply cant keep up with. 3. I havent been physically able to use these credit cards for 3 years now
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ). MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent. While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer. I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive. I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit. At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment. Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX I lived XXXX XXXXXXXX with my sister until XXXX, when I moved down to XXXX. This credit card by XXXX XXXX was opened in XXXX XXXX XXXX from the XXXX address I had lived at. I received communication from XXXX XXXXXXXX by a woman that very limited communications skills using XXXX. I informed her that I was in need of the information used to open the account so that I could file a fraud case against the account with the police. Instead of sending the information, they simply updated the information with my current information and started sending bills. I called them to resolve but got nowhere, and now htye have Midland Funding destroying my credit.
Company Response:
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I dont have any knowledge of this account or debt collection and theres been a identity fraud placed on my credit before also Ive been try to get my credit scores to increase and these Pepe keep bring it down who are these guys anyway
Company Response:
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management Inc.has garnished my wages. ( XXXX ) I know nothing of this debt for XXXX XXXX XXXX XX/XX/2022 they have taken out this amount {$260.00}. This is not mine. Never heard of this debt .Could you please help me clear this matter up. and return my wages.
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX and I only request to remove the inaccuracies
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am filing a complaint against Midland Credit, as well as XXXX XXXX Bank. 2018 XXXX XXXX Bank close my account due to no activity. The card was on automatic payments only. But because i did not charge anything in 60 days they closed my account without my knowledge. So therefore the account was not getting paid on. Then 120 days later show up on my credit report as 1100 dollar balance. I have disputer this account several times. Now midland credit has it and its XXXX dollars in dept. These companies are fraudulent in everyway. They hold your credit dept. over your head to see how much money then can accrue.
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A