Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PLEASE REMOVE 1. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received 2 notices on/around XX/XX/XXXX that were dated XX/XX/XXXX from Midland Credit Management stating I owed 2 debts to them. I contacted MCM via chat today - XX/XX/XXXX - to request validation and verification of the debt and I was told they can not send that information to me and that I should look online at the statements, which only shows an amount and the name of the creditor. Both balances are from XXXX XXXX XXXX, XXXX for {$1800.00} and the other for {$1200.00} and that both were charged off XX/XX/XXXX. There is no other details as for what these are balances are for. I requested from the chat representative, XXXX XXXX, what these charges were for from the original creditor and she stated the letters I received welcoming me to MCM with the balance amount was validation. I told her that I do not believe these are my debts owed and its my right to get this information before they try to legally collect on a debt.
Company Response:
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a XXXX credit though Ive never used that in my life and on two occasions ( most recently being today XX/XX/2021 ) XXXX confirmed I have not and do not have credit with them. I even get regular offers to sign up for XXXX credit ~ which wouldnt happen if I had been sent to a collection agency for XXXX credit being unpaid... The MCM company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.
Company Response:
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland credit purchased an account I had with XXXX XXXX credit card. The account was fraudulent and not my account. The police were notified back in XXXX and XXXX XXXX sold my account to Midland Credit and now reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. They even went as far as filing a lawsuit without my knowledge and had a judgment on me. I was able to hire an attorney to have the judgment vacated, because the account was fraud, yet Midland credit still reports adverse information and is destroying my credit.
Company Response:
State: FL
Zip: 34266
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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: Midland Credit Management has placed a collection on my XXXX & XXXX that I have no knowledge of. I have not recieved any validation or correspondence from Midland Credit Management.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. MIDLAND CREDIT MANAGEMENT Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Company Response:
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a account on my credit report that I have no knowledge of. It is called Midland credit management. Is the collection agency on my credit. I have disputed this account and told them it's identity fraud and they removed it from XXXX credit but will not remove from XXXX XXXX XXXX. I have reach out and nothing at all from them I have disputed so many times and nothing. but removed from XXXX. And I would like to see pictures of D.L that was use because I know it wasn't me and papers sighned
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate. Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A