Date Received: 2021-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I made mention that i have never owned a XXXX XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX XXXX, XXXX and also to Midland credit management with no luck. I have no idea who could have done this under my name.
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have already reported it on several occasions to credit companies. Even with the times that I have submitted it, the company insists on collecting a debt that is not mine, I do not recognize it. I can not submit any evidence because I never had any document to accept that it is mine. That is why I request that it be canceled since it is affecting my credit report. Thanks
Company Response:
State: PR
Zip: 00703
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address. In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
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: This year i disputed with CFPB XXXX debt that Midland Credit bought from XXXX XXXX and did not have any signed documents with me showing i owned the debt. It was removed from my credit file by Midland Credit. They have been calling my phone harassing and calling from goole number of all types of area codes. They are located in California and i did not acquire any debt in that state. They have hired a law firm in XXXX florida to fie a lawsuit in the state i live trying to sue me for XXXX because i ask them to proof 2 other debts they bought. This is an uneccessay filing and another form of harrassment and tactic to me as a consumer who has been out off work due to the pandemic and i have underlying medical conditions, which i wrote an explain to all the creditor i had signed contracts with. I am being targeted and harrassed by the company that i do not even reside in the state with calls and tactics, but they failed to provided anything in writing i have with them.This debt has been disputed and they still showed no proof this is my debt with CFPB. I want the CASE they had filed in my state drop and cancelled or dismissed. I will also be notifying the state of florida attorney general on monday. i have obtained a lawyer to counter sue if they fail to drop this case and or have it dismiss and leave me alone. case filed XX/XX/2021 Civil case # XXXX XXXX County and they reside in XXXX XXXX California.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my Credit Report in XX/XX/2021 to find Accts that were not mine. I called the credit bureau to confirm that i had no knowledge of them.
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me. thanks for your help.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management Account # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. If you can not provide this information or fail to reply to this validation request within 30 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have never had account with Midland Credit Management according to the law, i ask for proof, that I hada account directly with them to put on my credit report, this information is inaccurate, you stated you was able to verify but where is the proof???? How is this possible??? Under the laws of the FDCPA, I have contacted the agency and have been unable for them to have physical proof that this is indeed my debt.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A