Date Received: 2021-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to take action. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Company Response:
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland Credit has continously been harassing by phone calls and mail about a debt I don't owe. They claim I opened a credit card in a state I've never lived ever. I notified them about me been a victim of identity theft and how I have notified that to the corresponding agencies. Midland kept harassing saying that's everybody excuse for not paying. After two years of harassment, they sued me in another state than where the allegedly debt was originated. there are in discrepancies in my credit report and those have been notified to the collection agencies, but Midland Credit doesn't accept any proof, they just want me to pay for a credit card balance that doesn't belong to me.
Company Response:
State: PR
Zip: 00738
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have close to XXXX $ in my name because someone stole my identity. The credit beaures and collection agencies refuse to work with me and im at a loss and dont kno what to do
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recently obtained a new cell phone number for my daughter, a minor. Midland Credit keeps calling my daughter for a debt that we do not owe. Despite blocking Midland and despite informing the company that we do not owe the debt it is repeatedly calling about, Midland 's phone calls to my CHILD continue unabated. We recently got the new phone number and the debt was likely owed by a person who had the number before us. Yet, instead of pursuing the right person, Midland is pursuing a child!
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent two letters to MIDLAND CREDIT MANAGEMENT which is reporting a debt on each of three my credit reports, asking them to verify or validate that this debt belongs to me which they DID NOT respond to. I have filed multiple dispute letters : 2 Dispute Letters to XXXX, 3 Dispute Letters to XXXX, and 3 Dispute Letters to XXXX, and NONE of these 4 companies have provided any documentation proving that this debt belongs to me. This is a clear VIOLATION of the FCRA. Any information that can not be properly verified, MUST BE DELETED/REMOVED immediately.
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland is reporting and should not be.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with XXXX 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: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I get unknown calls to my phone and they try to get me to say my name and then say this is a bill I owe
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For a year now, Ive tried to work with all three credit bureaus. To date people have my information due to identity theft. I found out through XXXX, that I was sold on the dark web for years. Ive gotten so many disputes taken care of but then I go to XXXX XXXX, and they have not updated anything. And to date people are still trying to get credit.There are places of employment they said they verified thats not true because I never worked at these places. In XX/XX/XXXX and then all these other dates I know where I was that and I dont even know these places of employment. Though they say they verified it thats an impossibility. Midland funding, XXXX finally settled my dispute and shut them off, the other two have not. I have disputed addresses I have disputed false names I have disputed false phone numbers, and I have disputed all these hits on my credit that are not me. Id like to add that my bank account two months ago was emptied and Im still trying to deal with my bank. Ive been mirrored by an XXXX XXXX, they managed to mirror all of my emails, Im trying so hard to get them to listen to me to just hear me and they wont help. Every time I dispute they say no its accurate, no its a complete inaccuracies.I need help. These go back date wise so far even up to today. There are so many things Ive disputed Ive proven to be true, credit bureaus dont want to help. Please help me.
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A