Date Received: 2022-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-03-01
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: These companies are in violation of federal law 15 USC 1681b ( 2 ) Permissible purposes. the law clearly states that credit reporting agencies can report only with " The written instructions of the consumer to who it relates. I am a federally protected consumer and i never gave any of the three companies XXXX, XXXX, and XXXX any written consent to furnish my credit report to anyone. Since XX/XX/XXXX I have sent out multiple letters to the credit reporting agencies to remove these items from my credit report and i have yet to get a response. The following items must be removed from my credit report This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection Midland Credit Mangement has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with Midland credit management or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Midland Credit management is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect. This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. The company has violated the following laws 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
Company Response:
State: CA
Zip: 93638
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft MIDLAND CREDIT MANAGEMENT # XXXX BALANCE OF {$6100.00} Enclosed are the following : A copy of my credit report I received from your company listed XXXX XXXX XXXX The fraudulent items are circled. copy of credit report I contacted them many times and Dispute this Fraud account
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2022-03-15
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 was paid
Consumer Complaint: I paid a debt a judgment was entered on. I attempted many times to solved this problem without court action. Communicated with this organization and followed their direction. I advised them of my situation just they still, after payment in full Pursued and entered judgment on an account that was paid in full prior to the court date. In addition to that every time I called to make a settlement on this account I was told to call back and was not able to follow their instruction and they still entered judgment on a paid account.
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I lost my income in XXXX since then I don't have any resources to pay my debt, aside from my husband XXXX payment from His military service. I decided to enroll in the debt settlement program which I signed an agreement to the program so they can settle the debt on my behalf the confusion is, the debt collector company Midland Credit Management Inc. changed the account number from the original account number, so they can continue a negative report to the credit bureau and the account still open until now even though the debt settlement company already settled the account. I guess this debt collector used this wrong tactic to punish me for not paying my debt, which is not my fault of losing my income. please solve this matter. as of now I don't any have communication with this debt collector.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureaus. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX Midland Credit Management tried to double-dip on a collection that doesn't belong to me and reported the amount to the 3 credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date, XXXX XXXX, 2016 company opened a collection. Account # XXXX {$700.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 61008
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. Midland Credit Account # XXXX
Company Response:
State: MI
Zip: 49015
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have long disputed this debt that appears on my credit. I have reached out to both the original creditor XXXXXXXX XXXX XXXX As well as the company that has purchased the debt Midland Credit Management and I have asked for a full and proper audit to be done. Not one using software that can give incorrect information. The reponse I have received is that a bill was sent to my address and that the account was opened using a phone number that is registered to me. This is false. I have not had a phone registered to me in over 8hrs. These companies have refused to provide me with information that is outlined in the FCRA and they are violating my rights. My next steps will be legal action against XXXX XXXX XXXX and Midland Credit Management for violating my rights and for unfair collection practices.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland credit management its not my first complaint about them so I am not surprised that they came back full force at me. I dont have the date of the call. But their associate immediately picked up and put me on hold. Putting a Supervisor on the phone to inform me of YET AGAIN MCM calling. Informing them acronyms are against the law. I was not informed my phone was being recorded anymore either. Especially after my last complaint, how they judge can order phone records. They have 7 of my collection accounts. They again said we are attempting to collect a debt I wasnt aware another person 3rd party individual could tell a consumer they owe debt? Violation # 3 Im up to XXXX in this phone call MCM. I offered a great deal remove the accounts and Ill call it even. Now I want my check in the mail I dont agree to settle. They already had put everything back onto my credit report HOW DOES A DEBT COLLECTION AGENCY START LATE PAYMENTS OVER? Im confused? Thats right THEY DONT. ILL SEE YOU IN COURT.. MCM. XXXX has a lot of explaining to do. Make sure they are really verifying your information and reporting accurately.
Company Response:
State: MI
Zip: 48161
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A