Date Received: 2021-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I sent a certified debt validation letter to Midland Credit. To date, there's been no response from them. They are still reporting to the credit bureaus and shouldn't be since they can't/did n't validate my request.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I thought I paid off my amount on a credit card back in XXXX. I never recieved any mail stating I still owed for this card. I got a letter from a debt collector and they are stating I owe {$660.00} from the closed account. I never knew this account was closed or still had a balance. I checked the amount and on XXXX, XXXX XXXX and the account states that I owe {$660.00}. I do not understand where they are getting the extra 33 cents and I mailed a letter to dispute it as well.
Company Response:
State: PA
Zip: 15601
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/21 I received mail from numerous local attorneys attempting to represent me for an action filed with a local judge. The paperwork states that midland credit is sueing me for {$1300.00}. I have disputed this account on my credit report and have no knowledge of this debt. Instead of answering this dispute with written verification, I have been threatened with a lawsuit and the information was received 3rd party. I have not been served and I have no knowledge of this debt.
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My complaint is against Midland Credit Management ( MCM ). To date, they have failed to provide debt validation documents I've been requesting since XXXX. Additionally, their agents have given fake names, used abusive, sexist and threatening language towards me and claimed I was a liar. I already started paying on this account because of MCM 's harassment and illegal tactics made me feel responsible for a debt my ex-husband opened. I feared further action. Even though unaware of the debt, I assumed XXXX XXXX should have been mine. I repeatedly asked for XXXX documentation showing my name was clearly mentioned in the opening of the account, and showing my signature on file. To date, MCM continues to fail to produce such documentation. Since XXXX I have been trying to resolve this debt out of fear of their harassment and threats all while explaining to MCM that debt validation was paramount. However, I have been dismissed, hung up on, threatened, talked down to, called a liar, and endured sexist comments from their agents. All without XXXX documents. In XX/XX/XXXX I contacted MCM asking again for proof and to settle the debt for a lesser amount. No less than XXXX agents used abusive language against me saying my offer was a disgrace and they were ashamed to take it to a supervisor. I asked again for debt validation documents and an agent named XXXX said they would be sent and that I could use the website to continue making monthly payments in whatever amount I could afford. However, when I logged in I was only given the option to pay the full amount or enter into another agreement of a set monthly amount. On XX/XX/XXXX, I spoke with MCM about debt validation documents again. On XX/XX/XXXX, they mailed me what they called proof of the debt. It was a copy of XXXX of the monthly statements from the original creditor dated XX/XX/XXXX and a statement from MCM dated XX/XX/XXXX, saying they owned the debt as of XX/XX/XXXX. It also said they were willing to work with me to resolve the debt. See attached. I contacted MCM multiple times on XX/XX/XXXX attempting to once again to discuss a possible settlement and to request XXXX. XX/XX/XXXX called MCM, XXXX, at XXXX spoke to XXXX XXXX XXXX I offered to settle for {$1200.00} and he said that was too low an offer to take to an account manager. Requested account origination/debt validation documents again ( XXXX request ), he said they sent it in XXXX. I tried to explain that it was just the last statement from XXXX. He hung up on me. XX/XX/XXXX called back at XXXX When I verified my name and account number, the agent asked how I was related to the name on the account. I said it was me. He said I'm not discussing anything with you because a woman can not have this kind of first name. When I said my parents named me this, he hung up. XX/XX/XXXX called at XXXX When I verified my name and account number, the agent hung up on me XX/XX/XXXX called at XXXX, XXXX, XXXX Tried to call back and the call dropped on MCMs end each time XX/XX/XXXX called at XXXX and XXXX Tried to call back and the call dropped on MCMs end each time XX/XX/XXXX called from work phone at XXXX and XXXX Call dropped on MCMs end each time XX/XX/XXXX called from work phone at XXXX Spoke with XXXX XXXX He said they cant re-send the debt validation documents sent in XX/XX/XXXX I stated it wasnt XXXX documentation He said a duplicate would be sent and they have 90 days to get it to me. Within this time frame I do not have to make payments Also said he was raising a " general dispute '' about this account and if I could prove it was not mine or was paid off already then all would be settled I asked for account origination/validation documents to be sent to me by email he said they cant do that but gave me no reason why. MCM continues to try and collect this debt through harassment, intimidation and rudeness -- all without providing the required documentation I repeatedly ask for. They refuse to accept my offers to settle for the less than the full amount so they can keep me in a lengthy and unfair repayment period without proving the debt is mine -- as they are required to do -- and without showing exactly what fees or other charges may be involved.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. In my XXXX XXXX XXXXeport, a new account is showing from Midland Credit Management for the balance of {$2300.00}. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXXXXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXXredit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This information is inaccurate and reporting on my credit resport and does not belong to me. I mailed them asking for validation and they have none. This is a violation to my rights to furnish information regarding my XXXX self. My information was sold to this company and furnishing information that is not true. Again, this is a violation to my rights as a consumer. This is deceptive to my background, my character, and in the way of me getting opportunities for business. This need to be solved immediately. I've reached out via mail and no response but harassing phone calls during my work hours. Please have this remove from my credit report. Thank you.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .XXXX & {$XXXX} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am in fact the natural person and I am submitting this complaint myself. There is no third party involved. On XX/XX/2021, my husband was served documents by the county sheriff 's office. In reviewing the documents, I found that the paperwork was served on behalf of Midland Credit Management Inc. for BREACH OF CONTRACT. The exhibits provided by the company used false and deceptive means as well as forms to represent that I the consumer owed a debt to their debt collection agency when in fact I have not received any goods or services from Midland Credit Management Inc. Their company failed to express any contractual obligation I have to pay their company anything. On XX/XX/2021, a magistrate ruled against Midland Credit Management Inc in my favor. This complaint is being filed as a means of redress for violations of my rights by this debt collection agency.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A