Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account should have been deleted from XXXX, XXXX and XXXX. It is still being reported
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXXXXXX
Company Response:
State: MO
Zip: 65804
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I sent a debt validation letter, I never got a response or proof that the claimed debt is mine.
Company Response:
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management has violated the Fair Debt Collection Practice Act by contacting a debtor at inconvenient times unless the debtor allows it. At no time is it convenient for me to be contacted. Midland Credit Management has also violated the Fair Debt Collection Practice Act by harassing me, as well as using language I consider to be obscene in their written notifications. Midland Credit Management is not the original owner of the Debt and therefore has no right to contact me stating they are " attempting to collect a debt. ''
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Over the last couple of years or more I've sent registered mail to them on at least 2 occasions asking for a copy of my signature opening up this account? Plus I would like to see my signature on any purchases made? They have been non-responsive? They only demand payment. This is fraudulent account. Due to identity theft.
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing in reference to the debt collection company, Midland Management , Inc. I formally disputed the debt and requested that the company validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received the necessary information and documentation to validate that the debt belongs to me and that the company has the legal right to collect such debt. The Federal Trade Commission ( FTC ) has made it very clear and stated that a mere photocopy of a bill does not constitute sufficient validation for debt collection purposes. It is my understanding that under the FDCPA, Collection agencies are obligated to provide the following information to properly validate the debt : Verification of the amount owed. Proof of ownership of the debt Evidence that you have the legal right to collect the debt. As of the present date, I have not received any valid documentation or verification of the debt in question from Midland Management , Inc, despite the legally mandated request for validations and all my efforts of communication to properly validate the debt. I urge Midland Credit Management , Inc to comply with the FDCPA and the FCRA and provide the necessary documentation to validate the debt within the required time frame. Due to midlands lack of efforts to properly validate this debt, I question the legitimacy of the debt and their ability to collect such debt. Midland Credit Management , Inc. have NOT provided me a copy of ANY original documentation which I requested in my previous written request required per FDCPA 15 USC 1692 and the FCRA under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA. As stated, before the Federal Trade Commission ( FTC ) has made it very clear and stated that a photocopy of a bill does not constitute sufficient validation for debt collection purposes. A copy of a bill WILL NOT and DOES NOT give Midland Management , Inc. the right to collect this debt in a court of Law this has been stated by the Federal Trade Commission. You must be the owner of this debt. In addition, sense I have never entered into an agreement with Midland Credit Management , Inc they must have a Legal right of ownership to collect this debt. The Purchase agreement will establish this, and I have requested this information multiple times in my previous attempt of validation with Midland Credit Management , Inc .
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was sent to collections after the credit companies and I agreed that these 2 accounts were closed and that no responsibility should be taken regarding these accounts going forward. None of this happened and the accounts were closed and simply sent to collections for a third party to reach out and collect balances shown in these accounts. Ive tried many, many times to dispute it through my credit check app and nothing gets changed and Im still in collections with these 2 credit card companies. This is ridiculous!!
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ]. Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ]. According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Since XXXX XXXX XXXX. ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A