Date Received: 2022-02-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3. 4. 5. Last but not least I have never signed a contract with the debt collector.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have viewed my credit report and there is a charge on a collection agency named Midland Credit Management. I have called them to ask about what is it that they are charging me, the person who answered used aggressive tactics and told me not o be able to provided me with any information unless I would confirm my personal information such as full name, address, social security number, employer. Otherwise, he can not give me any information. He definitely would not give me any information until I provide him with my information to identify me. So I had to give them my information if I wanted to continue talking to him in regards to this account. After providing him with the information he requested to update his files he told me that his company had filed a judgement against me for the balance of {$2900.00}. He said that I had to pay or else he would take legal action. On my behalf this is not my account, therefore, I do not owe them the amount of {$2900.00} I filed a dispute with the XXXX credit company, then Midlands Credit management sent me a letter to my home claiming to pay on full and that the original creditor is XXXX XXXX account No. ending on XXXX. only four last digits. Based on the information provided on my credit report ( which has several Social Securities that are not mine ) I believe someone has used my name or this company has the wrong information and wants to make me responsible for it. I would like this company to remove this charge that is not mine from my credit and my name. It is very social and economic unfair that this company " Midland Credit Management '' has the power to make me responsible only because they have legal knowledge and economic resource to add their will on my report and on my persona.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX I received a letter in my mailbox from my employer XXXX about a garnishment. XXXX never gave me notice, no call, no email about garnishing my check on XXXX. Second Complaint, Asset Acceptance LLC never gave or received any type of notice about any notice about garnishment. The XXXX XXXX I never heard of the company in my entire life XXXX never gave me any type of notice about any garnishment no letter, no email, no phone call until now 16 years later. Attorney XXXX XXXX XXXX XXXX never gave me any type of notice about a garnishment but he gave me the run around when I requested for a copy of the original loan for XXXX about his computer system was down. Statute Of Limitations is 10 years in the state of Mo.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management is a company that needs to be shut down by the government. A company that has been harassing me for two bills that I have no idea where they came from. I am starting to think that they create debts & put in peoples name. I honestly think that with all those data bridges that I have been a victim of is surely coming back to haunt me. I have written over 10 certified letters to this scammer company asking for a debt validation letter to prove to me that the debt belongs to me & 10 certified letter later nothing besides they computer generated letter. They even have the nerves to ask me to prove the debt is not mine when they are the one harassing me that I owe them. A company I never knew existed prior to there harassment. I have not done business or received any services from this company. Not sure if this company has lawyers but clearly they do not know the law. When you accuse or drum up accusations that someone owes your company the burden of proof is on you. Not me! We live in a world where someone can get your social from the dark market or a million data bridges & apply for things in your name without even leaving there home. I am not a person that would not pay their bills. It has been over a year this company has not sent me any validation that the debt belongs to me. Over a year of requesting it. They keeping writing me saying the vent is verified. HOW? WHEN? WHERE? The refuse to sent me the proof. I requested some many things from this company because I know the debt do not belongs to me thats why I have no problem asking them to prove it. Midland Management thinks that they can bully people into what they want. I am making sure I put this in writing so that it is one record what this company has been doing. Its is down right harassment & I have been leaving a paper trail because They like to call people bluff but I promise when I am doing bringing a court case against this company for all the harassment & stress they have brought to me & my family they will interact more with their lawyers. How can a company constantly harass you about bills that you dont owe. There are in California how did they provide services to me in Florida. This is the credit company they talk about that violates your rights by the constant harassment after being told several times not to. When they dont validate a debt but expects you to pay it. When the company can not validate/ verify the debt belongs to you they can no longer report it on your credit report. Its been over a year of non stop harassment about owing them money. When will Midland credit management stop breaking the law & violating people right under the fair credit act? When is enough enough? I been reporting to my medical doctor for a year this company has been having on my condition & they advise me to take them to court & let the pay you. This company is putting fake accounts & paper works together just for their benefit. Show me paperworks with my wet signature because the people that are committing fraud against you is XXXX steps ahead of you. You can not mail someone papers saying they owe you without any proof. Computer generated papers are not proof.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
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: On XX/XX/2022 I initiated a dispute. About negative information/ errors on my credit report. XXXX failed to provide me with the information I requested. As a result of not receiving the original signed credit application for the debt, the cashed checks used for bill payment or original billing statements XXXX allowed the debt collector ( s ) to post a alleged balance/debt as " past due ''. ( See attached ) Midland Collection agency has no original creditor ( s ) noted on my report and this company appears multiple times. The debt collector XXXX has NO CONTACT INFORMATION '' listed on the report no phone number only a po box address. This is unfair to the consumer because one can not even contact the debt collector. So, I wonder if I the consumer could not contact the credit .how did experian contact them if at all. This could be the reason experian allowed the debt collector to continue posting this alleged debt on my credit report ( see attached )
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Midland Funding XXXX Date Assigned XX/XX/2016 Balance {$630.00}
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep asking this company to verify this debt and provide accurate information on how this information was gathered to prove that it is my debt that is owed, but this company has yet to respond to the letters that I have sent them
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX XXXX / XXXX P.A attorneys at law XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Also, Midland credit management Court ordered judgment XXXX XXXX Mentioned on this day I was exempt due to being on ma and food stamps, judge said to worry about it after court. Received notice the were going to garnish wages in mid XXXX, with a basic exemption form releasing said agency to say if I was on assistance and only request my case number. Did not ask for any proof. Sent XX/XX/XXXX certified mail, still have receipt. Found out I had to send a copy to my employer. XX/XX/XXXX sent copy to XXXX charities via email. Said they were on it. Next day email back saying its not good enough proof. As they garnished that current paycheck on XX/XX/XXXX. In the amount of XXXX. I had worked XXXX hours overtime or so hoping to pay my XXXX utility bill for heat and electric. I called XXXX and asked if the had received my exemption. He stated the did and transfered me to XXXX XXXX XXXX. Talked and he hung up on me after asking about my money back, called back straight to voice-mail. Waited XXXX min called him back he answers. I ask again why I'm being garnished he explains tbe state has not replied yet and I did not send proof. I asked what proof he needed and why proof was not asked for originally I would have sent anything needed. Proof of ma or food stamps. I submitted current proof from the mn game service XXXX stating how much assistance I received via email to XXXX called the next day asking if he received it and he said yes he would fax my employer to stop garnishment. I did not have fax number at time. I called my employer got number called him right back straight to voice-mail, I left a voice message with info and fax number XXXX XXXX I believe. Called employer said the didn't receive anything XX/XX/XXXX. Called XXXX again XXXX straight to voice-mail left another fax message. They also stated I need to write a letter to get my money back and I probably won't get it all they said.
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: EVERY YEAR I REVIEW MY CREDIT. I BEEN TRYING TO FIX AND ACCOUNT NOT MY WITH MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF XXXX, WHICH IS NOT MINE. I EXPLAINED TO THE COMPANY AND THE ONLY OPTION GIVEN WAS TO MAKE THE PAYMENT. TRIED TO DO A DISPUTE WITH THE CREDIT COMPANIES BUT WAS UNSUCCESSFUL.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A