Date Received: 2021-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management sent me a letter for a alleged debt in XX/XX/2021. I responded XX/XX/2021 via certified mail requesting validation of this alleged debt as per 15 usc 1692g. Midland Credit Management responded to my certified letter requesting a attorney information and not validating the alleged debt.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client XXXX XXXX that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of the alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Midland Credit Management in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards, XXXX XXXX XXXX
Company Response:
State: OR
Zip: 97701
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Please due not mark this as duplicate as I have no other channel to report this matter before pursuing legal counsel. Please accept this complaint. Facts : I have disputed these accounts through each credit bureau XXXX and XXXX and the company has retaliated by placing past due payments on my credit file for debts that I dispute and do not own. I demand this company stop reporting false information and harassing me to pay debts I do not owe. If I am not able to resolve this, I will need this escalated to someone who can help protect me. This is illegal and according to Midland Fundings legal record, this is common practice to coerce people into paying unvalidated debts. I will not be bullied by this company.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated collection reporting without providing 100 % accurate verifiable information. I have asked in writing multiple times to provide documentation showing I authorized opening account from original creditor and/or my authorization debt be transferred to another debt collector. Balance : {$2000.00} Balance : {$840.00}
Company Response:
State: CA
Zip: 92694
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company is Midland credit solutions. IT IS FOR XXXX XXXX WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid for deletion of my XXXX XXXX credit card through midland credit management and it is still showing on my credit report.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Midland Credit Management was sent a notarized and signed affidavit about their clear violations of FDCPA and FCRA. They continue to contact me via mail to collect an alleged debt. Midland is in violation of 1. 15 USC 1692b ( 2 ) 2. 15 USC 1692b ( 5 ) 3. 15 USC 1692b ( 1 )
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2020 Midland Credit management added a derogatory mark on my credit report per XXXX XXXX which was sold/transferred to them by XXXX XXXX XXXX. I am no longer responsible for this account. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. according to FCRA, Midland Credit has violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: On XX/XX/XXXX Midland Credit Management XXXX has added a derogatory remark on my credit report in the amount of {$1600.00} per XXXX XXXX, Upon further research, this account was transferred/sold to them by XXXX, XXXX on XXXX, XXXX XXXX and I'm no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature dose not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Midland Credit Management XXXX.has violated my rights as a consumer and I'M requesting legal action to remove this account immediately.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and Midland is still reporting account as no paid. Please remove account from credit report
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A