Date Received: 2021-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX. They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
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: The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Company Response:
State: TX
Zip: 785XX
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: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43068
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: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43211
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: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/2021 a complaint was submitted on XXXX 's behalf to cfpb about address XXXX XXXX XXXX XXXX XXXX MN XXXX, complaint number XXXX, a copy will be attached. After who ever at XXXX. XXXX XXXX XXXX XXXX MN XXXX, stated in their response " We consider consumer complaints a serious matter, fully respects consumers rights, and apologize for the inconvenience caused to you '' Which is a total lie, and disregard of the Fair Debt Practices Collections Act. XXXX XXXX has rebutted the presumption of being a consumer of XXXX. XXXX XXXX XXXX XXXX MN XXXX and does not consent or volunteer into any contracts offers with this corporation. XXXX XXXX XXXX XXXX XXXX MN XXXX is trying to force XXXX XXXX to be a consumer which is unlawful and involuntary servitude, XXXX. XXXX XXXX XXXX XXXX MN XXXX has still been harassing XXXX by sending more envelopes with no person taking liability from XXXX. XXXX XXXX XXXX XXXX MN XXXX, claims which are fraud. XXXX has been refusing to accept any mail from XXXX. XXXX XXXX XXXX XXXX MN XXXX, due to the fact that XXXX has demanded XXXX XXXX XXXX XXXX XXXX MN XXXX to provide a verification under penalty of perjury of their claims and XXXX XXXX XXXX XXXX XXXX MN XXXX has not done so. XXXX 's refusal to accept XXXX. XXXX XXXX XXXX XXXX MN XXXX artifices have been documented with witnesses for future legal proceedings, hearsay, assumptions made about XXXX from XXXX. XXXX XXXX XXXX XXXX MN XXXX are not valid, which are a constitutional tort. 15 U.S.C 1692 g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt, XXXX. XXXX XXXX XXXX XXXX MN XXXX had failed to provide evidence on XX/XX/2021 of any claim it has against XXXX under penalty of perjury, which by law XXXX XXXX XXXX XXXX XXXX MN XXXX is in default. Verification - Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Obligation - that which a person is bound to or forbear, any duty imposed by law, promise, contract, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX MN XXXX has failed to provide proof of a Obligation, instrument signed by XXXX, and XXXX. XXXX XXXX XXXX XXXX MN XXXX has failed to provide any evidence of its claims under penalty of perjury which 15 U.S.C 1692 g ( 4 ) states it must do thus it is harassing XXXX by using unfair practices.
Company Response:
State: NV
Zip: 89011
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: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43068
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: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43068
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from Midland Credit management with Big bold heading stating " PRE-LEGAL NOTIFICATION '' also states they may proceed with forwarding this to a lawyer if I don't pay account in full. Also states if we forward your account to attorney this results in a lawsuit against you. This is the first I even heard from this company with this alleged collection and they are threatening to sue me. They also re-aged the debt ( Ive attached a screen shot of the most current credit report for support of proof. The amount on their letter is higher than what's reporting on the credit bureaus also. I responded with a letter and have not heard back. Ive attached their letter and my response letter.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A