Date Received: 2021-07-10
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
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: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. account appears fraudulent I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX CHECKED MY CREDIT REPORT WITH THE 3 MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENT. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECIEVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/XXXX. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR ( WHICH I AM A ORIGINAL CREDITOR ) OR THIS DEBT COLLECTOR SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF 2 OF MY CONSUMER RIGHTS AND I INTENDED TO PURSURE LEGAL ACTION.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-07-10
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 is not yours
Consumer Complaint: This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from to my credit reports. I have attached documentation of the letter that was sent to the furnisher on ( date ). They are still contacting me and this has shown up on my XXXX, XXXX and XXXX credit report. I will sue them if they continue to collect that is not mine.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: CA
Zip: 94804
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 is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt. Attached are the documents that were sent out on XX/XX/2021 via certified mail
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have for some time disputed Midland Credit Management about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on Midland Credit Management and XXXX and XXXX and XXXX replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Midland Credit Management decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Midland Credit Management was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX and they said they didn't receive anything from Midland Credit Management that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A