Date Received: 2022-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2021 Midland Credit Management sent me a letter stating that I owed {$110.00}. I believe that this amount is incorrect. I believe that I owe under {$100.00}. I sent a previous complaint to CFPB about XXXX XXXX, ID # XXXX.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: MCM midland credit management attempted to take me to court for account # XXXX in the amount of XXXX. I called on or approx XX/XX/XXXX to ask about this account and referred was to a law firm who attempted to collect it back in XXXX and the case was dismissed legally in the court of law. Failing to prove this debt was owed by me or the account. The law firm XXXX XXXX XXXX i was advised that they case was closed. Upon discovery even after legally being dropped/ dismissed and sued without proper notification validation or anything from MCM I attempted to offer 20 % XX/XX/XXXX. As well as today 10 % XXXX XXXX they declined. I advised them before going through the hassle of legal courts and fees I would offer again to close the account and we part ways amicably. I am a victim of identity theft in the past and have a feeling of the family member who may have opened this account. I expressed my concern of unfair debt collection activities and the lack of proper notification and the court ruling supersedes any companies policy and it stated closed/ dismissed. I would like to have this account closed and dismissed and removed immediately from all credit bureau. Disputed : equifax # XXXX what I disputed is the same unfair practices with legal court documents case dismissed and closed
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/21 I received a collection letter from Midland Credit Management telling me that I owed {$1700.00} to creditor XXXX XXXX XXXX XXXX. This is not true. I contest this allegation. Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have two small claims suit from Midland credit, justice of the peace XXXX place 1 court. cause # XXXX and XXXX, I was not notified of debt prior to small claims suit. I was first served on XX/XX/XXXX, during the height of the pandemic. Research showed me that Midland did a hard credit inquiry on my credit report on XX/XX/XXXX before assuming the debt. Midland created a small claim suit that states ; 1. account last used XXXX 2. fraudulent documents of name and address and phone number 3. collection statements on credit report with incorrect dollar amount 4 , fraudulent date of assumed debt 5XXXX fraudulent statement of notification
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received 4 calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person Midland Credit was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to XXXX XXXX XXXX XXXX. I told them that I currently have several accounts with XXXX XXXX and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.
Company Response:
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To whom it may concern, MCM-Midland Credit Management Keeps contacting me, i told them i have no Knowledge of the account, I told them i want a copy of the signature they say is mine. all they can provide is a bill on what was charged ( this keeps going on ) with MCM. now they have threated me ( this is the 3 collection co. ) the others removed me. then mcm bought the this from another collection co, They can not verify the account other than a bill for XXXX XXXX, i Don't even have a credit card for XXXX XXXX ) they are threating to sue me. i sent them a letter told them if they cant find a signature then i will get my attorney involved, ( they seem like a scammer, will not take no for an answer. MCM ( Midland Credit needs to close up ) will not take no for an answer. ( Scammers ) I want a copy of the Signature, that they can find.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI MIDLAND CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management INC. Keep trying to send me to court, threatening to sue me for an account for {$3000.00} + that I know nothing about. I keep asking for proof, yet they cease to provide.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A