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: 94541
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH MIDLAND CREDIT MANAGEMENT. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Company Response:
State: KS
Zip: 66061
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, your company responded to my cease and desist through the CFPB. The company stated account number ending in # XXXX was placed with your Internal Legal Department. In this response I was given two options on how I can contact Internal Legal shown in Exhibit A. On XX/XX/XXXX, I sent Midland Credit Management - Internal Legal an Affidavit of Truth regarding this alleged debt with XXXX XXXX tracking number # XXXX. On XX/XX/XXXX, the communication I sent to the Internal Legal Department was returned to sender due to forward expired as shown in the attachment. Since I am unable to reach your company via mail, I have attached my Affidavit of Truth to this CFPB complaint along with Exhibits A, B, and C showing the numerous FDCPA and FCRA violations Midland Credit Management has violated. I, XXXX XXXX, consumer and affiant has first hand knowledge of the facts stated in the Affidavit of Truth. As stated in my Affidavit, I demand compensation for each one of the violations that I have listed and I also demand deletion of this derogatory account from all credit reporting agencies since this company violates consumers and does not follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Attached is an invoice for the company 's violations.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Collection of XXXX reported on my credit report on XX/XX/2021 from Midland Credit Management that was the result of Store credit issued from XXXX XXXX as a result of idenity theft. I never had any accounts with XXXX XXXX. My identity was used fraudulently.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have a bankruptcy that was discharged in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that XXXX XXXX with XXXXXXXX XXXX XXXX put a lien ( XXXX ) on my home for a debt for a Midland credit card dated XX/XX/XXXX. This debt was included in my bankruptcy. In the letter, I gave them this information and request for them to remove the lien. I sent the same notice 4 times on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a victim of identity theft and enclosed you will find a debt validation and full material disclosure request for the alleged debt I owe Midland Credit Management. I never authorized or entered a consumer credit transaction with Midland Credit Management, XXXX XXXX or XXXX XXXX.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). In addition to furnishing information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX, I disputed the account through the credit bureau, XXXX and XXXX XXXX XXXX XXXX XXXX responded, " Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$1500.00} Subsequently, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$890.00}. This action constitutes fraud under 15 U.S. Code 1681s215, U.S. Code 1692, federal and state laws. Due to the negative mark found and continued to report on my credit reports as of XX/XX/XXXX.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text CREDITOR CONTACT INFORMATION : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX REFERENCE NUMBER ON PAYOFF : XXXX COVID RELIEF, AGREED UPON COLLECTION DELETION. DELETE ITEM IMMEDIATELY!!! Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In an attempt to verify debt collection on my credit reports I disputed the item on all three bureaus. The next day they contacted me harrassing me about the fact that I had disputed the debt.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Todays date : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A