Date Received: 2021-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When my ex-wife and I was married she put a lot of credit cards in my name would guess she was paying on them. When we divorced is when I learned I had all these cards in my name leaving behind all the payments. I would like to do a dispute on them. Also it looks as this account was opened longer then 7 years ago.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been stolen. I received a court document stating I owe {$3500.00} from Mid Land Credit Company. I have knowledge of how, when or where this account came from. I am not responsible for this debt.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX starting at XXXXXXXX XXXX Midland Credit Collections attempted to reach me by calling me 8 times in a row, as per my XXXX call log. The calls came from the same number, XXXX.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX for {$510.00} on XX/XX/XXXX -Midland Funding for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Company Response:
State: VA
Zip: 23508
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: these items was a result of identity theft fraudulently made
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am being harassed by a 3rd party who bought a debt from XXXX XXXX the company whos harassing me is mcm midland credit management
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been receiving calls and messages about a debt that I do not believe is accurate. I have asked numerous times for proof that the debt is mine or any history regarding the debt. I have been met with threats to sue. I have called them and spoke about this asking for information regarding the debt and was bullied into just " making a payment now to avoid going to court. '' I just want to make sure that I am not being scammed.
Company Response:
State: NJ
Zip: 07801
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This account is fraud please validate. I told XXXX XXXX no one can help. Can i have an itemized bill, copy of contract etc
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A