Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never sign documents with XXXX funding
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: they dont have time to talk and they sugest me to talk to XXXX credit company and i called XXXX they told me to contact ftc to resolve my problem
Company Response:
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am being contacted by a debt collection agency Midland Credit Mangement, XXXX XXXX, CA XXXX to collect a credit card they claim that I owe to a XXXX XXXX for purchases from XXXX XXXX in XXXX AZ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Midland Credit is the only organization that has ever contacted me about these purchases in Midland Credit 's claim. No retailer has contacted me at my address regarding the retail items purchased in their claim. I informed Midland Credit that I am permanent resident of NV from XXXX and have never applied for, received or used a retail Credit Card issued through XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX in the past 10 years. I am not able to make sense of the credit card purchases in their claim because I am not an owner of a XXXX XXXX credit card. Midland Credit has not provided me information on the way in which this Credit Card is being attributed. They have not provided information on how the indentity of the card owner is established ( by way of an individual 's signature, date of issue, and the address where the credit card was delivered to an individual ). I also requested proof of delivery of the products purchased to my Nevada address and they have not responded to me with any of these facts to validate credit card purchases in their claim. At this point Midland Credit is simply insisting that I own a credit card I am not aware of, and that I purchased retail products brought in a state I am not a resident of at the time their claimed purchases. If the purchase was made online, they have not given verifiable information on the address and time where the retail products in their claim was received by an individual.
Company Response:
State: NV
Zip: 89503
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: MT
Zip: 593XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
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: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I opened a credit card with XXXX XXXX XXXX on XX/XX/2019 with a {$300.00} credit limit, I closed the account 4 months later on XX/XX/2019 I have proof I closed this account from XXXX XXXX XXXX. For a year and a half they have charged late fees and other fraudulent charges to this account totaling XXXX $ and it has now popped up as a derogatory mark on my credit from midland credit XXXX. I have never received a letter or phone call from XXXX XXXX stating I owe money other than the account was finalized on closing. I have contacted midland credit XXXX and they have cussed me out telling me lets make this easy on you, you owe us XXXX money I have sent proof over to XXXX XXXX XXXX XXXX XXXX including midland and can not get this disputed due to midland stating all is accurate and disregarding the proof I have sent over. This has now impacted my credit score and any other credit cards/loans I may need in the future. I have followed all the steps and am now at a loss on what to do. Midland will not help and when I call XXXX XXXX they say if another creditor is on the case they have nothing they can do. I closed the account in good standing.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Threatening to Sue. I want to file a complaint against Midland Credit Management for repeatedly threatening to sue me for the collection that I am disputing. Each time I contact the collection agency to inquire about the collections legitimacy or try to solve the matter, the collection representative repeatedly informs me that the file will be forwarded to a lawyer. A lawsuit will be filed against me.
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit has posted a {$1000.00} debt on my credit report. I have requested validation a number of times. Most recently in XXXX of 2021. Their failure to respond indicates to me that they can not validate this debt and/or it must be a result of ID theft. I am requesting it be removed from my credit report immediately. I have attached the request to this complaint with includes the tracking number to established when it was delivered.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A