Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and XXXX have this company on their report. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management, File # XXXX XXXX. For a total of {$8200.00}. I have know Idea who they are or what this amount was spent on. I am completely in the dark on this matter. Where was this account originated. I have disputed this with XXXX and XXXX with no avail. Please Help me I have know Glue what this is for? XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI.XXXX I have never heard of these companies or that large amount of money!
Company Response:
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After much consideration, I am filing a complaint regarding the business tactics of Midland Credit Management. The company has engaged in exceptionally poor taste with their written communication style. They have been nothing but aggressive in pursuit of trying to collect payment for a credit card debt that I may not be the account holder for. They are expecting me to pay {$4400.00} or risk legal action against me. For context, I never received the initial letter stating that the account in question was transferred to them. I sent a response to their XX/XX/2021 letter on XX/XX/2021 to dispute the claim and to obtain verification of the account in question. I responded because I wanted to make an informed decision, receive confirm that they are licensed to operate in the state where I live now, and most importantly, I don't get subjected to a lawsuit for an account that is not mine. I was a victim of identity theft a few years ago, which that case was never solved. Upon discovery of accounts being established under my name that did not belong to me, I filed a police report with my local police station in the area where I lived at the time. I received their response dated XX/XX/2021, on XX/XX/2021, and not only did they not confirm whether they were licensed to operate in the state where I live now. They provided a letter that they claimed was sent to me dated XX/XX/2021, regarding a transfer of my credit card account to them. They did NOT provide a copy of the original documents showing that I signed for the credit card account in question. Likewise, I never received the letter they claimed they sent to me dated XX/XX/2021. They requested a copy of either a police report or a completed FTC report regarding the identity theft. I was in the process of honoring their request when I received another threatening letter dated XX/XX/2021, giving me until XX/XX/2021, to either pay the entire amount or provide a response. I didn't receive this most recent letter until XX/XX/2021, which didnt allow enough time to provide a response, nor did it allow me to provide what they requested to verify that I did have an identity theft report. I tried to do what is right to protect myself and instead of some progress toward a resolution, I get the feeling they are using the threat of legal action as an intimidation tactic. This company is by far the worst that I have seen in my life. I have never seen a company that seems so intent on trying to gouge money out of an individual and when the individual attempts to at least request the information required, they don't honor their request. I am not unwilling to come up with a payment plan if they provide a copy of the original contract from the original creditor. I do not want legal action being taken against me over any potential technicalities. I prefer to work out a resolution that bodes well over the long term over having a litigation that will cause more distress than it is worth over me exercising my right to require documentation before I go into a debt collection agreement. This is especially important as I have had identity theft happen to me. Please note that I am NOT using identity theft to get out of potentially resolving a debt, if I receive a copy of the original contract confirming that it is mine. I must make sure that I protect my financial well-being.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: This account was paid in full
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management paid in full still on my credit file XXXX XXXX XXXX XXXX I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. XXXX XXXX paid in full is still on my file XXXX XXXX paid in full still on my file
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A few years ago I had my identity stolen. Multiple lines of credits were made, and one was with XXXX XXXX. I called XXXX XXXX to tell them that this was not mine and we went through several steps and XXXX XXXX assured me that it was taken care of and I would not be charged for whatever was financed. THEN, after years of not hearing from them after the told me the took care of the debt, I get harassed my Midland Credit Management for the same debt. I do not owe this, it was not me that took out the credit. I will sue both companies for harassment and furthermore for attorney, legal fees, and mental anguish if this continues. The letter from MCM says the account number is XXXX
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After sending a Notarized Affidavit of Validity, Midland Funding failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with midland funding, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND FUND account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I received an email that the collection of Midland Credit Management was removed on XX/XX/XXXX or around there on my XXXX XXXX is correct, but on my XXXX and XXXX is still showing Midland Credit Management is still on my report on those bureaus. I believe that's unfair and unjust to not remove all 3 bureaus not just one and still trying to collect and hurting my credit.
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 89431
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management is falsifying information, stating that I owe debt to them, that I do not owe. They illegally reported to the credit bureaus that I owe debt to them. This is fraud, as I do not owe them any debt. I have written to Midland Credit Management several times, via certified mail, stating this debt is not mine and to cease all collection activity against me. Specifically referencing that they DO NOT have a SIGNED CONSUMER CONTRACT with me. And by not having a signed consumer contract with me, I have asked Midland Credit Management to remove and delete this account from my credit reports multiple times, which they have failed to do. Midland Credit Management is in violation of the fair credit reporting act and their actions are harming me by impacting my ability to obtain credit. I am demanding that this account be immediately removed from my credit report.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A